VA Home Loan Education & Resource Center

Your complete guide to VA construction, purchase, refinance, and manufactured home loans, written by the VA lending team at VA Nationwide, powered by The Federal Savings Bank.

Whether you're a Veteran buying your first home with zero down, building from the ground up, refinancing with a VA IRRRL, or financing a manufactured home, the right information makes the entire process easier. This resource center brings together every VA loan guide, program overview, and educational article published by VA Nationwide, organized by topic so you can find exactly what you need.

We are a Veteran-Owned, VA-focused direct lender operating in all 50 states, and every page here reflects the VA programs we actually close. Bookmark this page and check back regularly as we continue adding new guides, program updates, and answers to the questions Veterans ask us most.

Use the categories below to jump to the topic that matches where you are in your VA home loan journey. Each link opens a full guide written by our VA lending team.

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Construction Loan Guides

Building a home with your VA benefit is one of the most powerful things the loan can do, and also one of the least understood. These guides walk through how VA construction financing actually works, the difference between one-time and two-time close structures, and what happens when a build runs into trouble. Start here if you're a Veteran planning to build rather than buy.

Manufactured & Modular Home Guides

VA financing for manufactured and modular homes comes with its own rules around foundations, property classification, and lender approval, and most lenders avoid it entirely. We don't. These guides cover everything a Veteran needs to know about using VA benefits for factory-built homes, from eligibility standards to the full loan process.

Reference & Tools

Quick-access calculators and reference pages for Veterans at any stage. Estimate your payment, model a construction budget, check your debt-to-income ratio, or look up the VA and conforming loan limits in your county before your next conversation with a banker.

Understanding VA Loans

New to VA loans, or trying to decide whether the benefit is right for your situation? These guides answer the foundational questions Veterans ask most, from how VA rates work to whether the loan is the smart choice for your goals.

VA Loan Program Guides

These are the core program pages for everything VA Nationwide offers. Whether you're buying with zero down, pulling cash out, renovating, building, refinancing into a lower rate, or financing above the conforming limit with a VA jumbo, start here to understand the program that fits your situation.

Ready To Take The Next Step?

Reading through our guides is a great start. When you're ready to move from research to action, our VA lending team is here to help you figure out exactly which program fits your situation before you ever fill out an application.

Use our VA Mortgage Calculator to estimate your payment, run your numbers through the DTI Calculator to see where you stand, or check your County Loan Limits to understand what you can borrow in your area.

When you're ready, jump straight to our Check Eligibility page for a soft review that won't affect your credit, or explore our Locations page to confirm we serve your state. We lend in all 50.

Want to talk to someone who actually understands VA construction, manufactured, and jumbo scenarios? Visit our Contact page to reach our team directly and get real answers before you commit to anything.

We add new guides and update existing pages regularly. Bookmark this page and check back as VA benefits evolve, loan limits change, and new content goes live.

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Last updated: June 20, 2026

THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.

*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

*No SSN required. No credit pull. No risk. The info you share on this eligibility form is only used to check general eligibility against our banks loan programs — based on what you tell us. We never pull your credit (not even a soft pull), and we don’t ask for sensitive data like your Social Security number at this stage. Your information is never sold. If you decide to move forward, your banker will walk you through next steps and confirm before running any credit check. Until then, it’s 100% no-pressure, no-obligation.

*Messaging and Data Rates May Apply.

*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.

*We do not offer new dealer-manufactured home loans in New York, but we do offer modular and site-built land and home construction.

*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.

REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with NationwideHomeLoansGroup.com or The Federal Savings Bank.

†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program offered exclusively by us to help our consumers save on their real estate transactions.

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