A VA mortgage loan (known as a Veterans Administration home loan) is one of the most exclusive benefits for those who have served or are presently serving in the U.S. Military. Based on your Certificate of Eligibility, you can use a VA loan to purchase or refinance a home that you occupancy without having to make a down payment. The Veterans Administration backs the VA loan only for veterans, and there is no private mortgage insurance (PMI) requirement.
According to U.S. Department of Veterans Affairs website
VA loans are designed for active military personnel, veterans, and military families only.
If this is your first time applying for a VA loan, you must first meet the VA’s guidelines to be eligible. If you have used your VA benefits in the past, you may be able to use it again.
For full details, visit VA Guidelines.
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Refinancing with a VA Loan