MIRECC / CoE

NewsFlash | Financial Readiness

The Department of Veterans Affairs is organized into five Veterans Integrated Service Networks (VISNs), which are regional care systems designed to address local healthcare needs and improve access to care. The NW MIRECC supports VA facilities in the Pacific West VISN 5—previously known as VISN 20—Health Service Area (HSA) 5.1, as well as the larger VA system. VISN 5 HSA 5.1 covers the Pacific Northwest states of Idaho, Montana, Washington, and Oregon. Of these, Oregon and Montana offer dedicated statewide home loan programs for eligible military Veterans through the state departments of Veterans Affairs. Other states included in VISN 5 are Alaska, Arizona, California, Hawaii, New Mexico, and Nevada, with Alaska and California also providing home loan benefits for Veterans via their state departments. All states within VISN 5 offer emergency financial assistance and resources to help Veterans achieve homeownership.

MILITARY SUPPORT AND VETERANS SERVICE ORGANIZATIONS 

Army Emergency Relief

Charged with relieving undue financial stress on the force, AER serves the enduring priorities of the Secretary and Chief of Staff of the U.S. Army. Soldiers medically evacuated from hostile fire or imminent danger area, peacekeeping operations or training exercises within CONUS receive immediate financial assistance. A $1,000 grant is provided at the time of hospitalization. Company commanders or first sergeants can approve immediate financial assistance up to $2,000 through the Quick Assist Program. 

Navy Safe Harbor Foundation (NSHF)

Since 2009, Navy Safe Harbor Foundation has been the Navy Wounded Warrior (NWW) Program’s first call when a Navy or Coast Guard Sailor is in need. NSHF provides financial assistance and support to Navy and Coast Guard Sailors and their families enrolled in the Navy Wounded Warrior Program. NSHF aims to ensure that every seriously wounded, ill and injured Navy and Coast Guard Sailor is given every opportunity for a full recovery by providing non-medical care and support to them and their families. Enrollees include those wounded in action, injured in on-duty training or liberty accidents, or suffering from serious illness. Financial Support of the family system, childcare, family camps, and respite care. NSHF aims to ensure that every seriously wounded, ill and injured Navy and Coast Guard Sailor is given every opportunity for a full recovery by providing non-medical care and support to them and their families. NSHF Services & Accommodations:

• Financial Support
• Travel Expenses
• Wounded Warriors Weekend
• Housing \ Rental Support
• Family Support
• Adaptive Athletics
• Housing Modifications
• Vehicle Modifications
• Specialized Equipment
• Public Awareness
• PTSD Programs & Education

NSHF is a proud supporter of the Navy & Coast Guard Wounded Warrior Team for the Wounded Warrior Games – a Paralympic-style competition for more than 200 wounded, ill and injured service members from all branches of the United States military.

Navy-Marine Corps Relief Society

In the early days of naval life, emergencies left families with few places to turn. A small group of naval officers and spouses stepped in, fueled by generosity and belief in service. Funds raised at the 1903 Army-Navy football game—along with a bit of "passing the hat"—made it possible to help those who needed it most. In 1904, Navy-Marine Corps Relief Society (NMCRS) was officially founded as a non-profit, offering hope and a promise to those who serve. For over a century, through world wars, deployments, and generations of change, NMCRS has remained a constant, answering the call with compassion. Today, with more than 200 offices worldwide and thousands of dedicated volunteers, we continue to be a trusted partner for tens of thousands of active duty and retired Sailors, Marines and their families. NMCRS provides financial assistance and education, as well as other programs and services, to active duty and retired Sailors, Marines and their families in financial need. NMCRS helps with everyday living expenses such as rent, food or a car repair, military pay issues, permanent change of station (PCS) support, or medical and dental costs while offering a range of assistance along with financial education to help you navigate your financial future. If you need to travel due to the illness or death of an immediate family member, NMCRS offers expedited service to assist with the cost of transportation. NMCRS also provides for Disaster Relief. Hurricanes, tornados, wildfires, and floods can have an unexpected impact on Sea Service families. NMCRS stands ready to help when a natural or human-made incident occurs. Since 1904, NMCRS has provided over $2 billion in financial assistance to more than 5 million active duty and retired Sailors, Marines and their families.

Semper Fi & America’s Fund

The Fund can help critically wounded, ill, and injured Service members, Veterans, and military families with an array of modifications to improve accessibility and mobility throughout their home. Many of our Service members, Veterans, and military families assisted by Semper Fi & America’s Fund require essential, but expensive, home modifications to improve accessibility. Whether it’s wheelchair ramps, widening doorways, or modifying showers and bathrooms, The Fund ensures that homes are tailored to comfortably accommodate their needs. We ensure that those we serve have a safe place to call ‘home’ by granting assistance for urgently needed rent, mortgage, and utility payments, as well as non-adaptive home repairs.​

Military Warriors Support Foundation

The mission of Military Warriors Support Foundation is to provide programs that facilitate a smooth and successful transition for our nation’s combat-wounded Heroes and Gold Star families. Military Warriors Support Foundation programs focus on housing, transportation, outdoor recreation, and leadership development. Military Warriors Support Foundation Programs:

• Homes4WoundedHeroes & Homes4GoldStars
• Transportation4Heroes
• Skills4Life
• Leadership4Life
• Hope4Heroes

Military Warriors Support Foundation has proudly awarded over 900 mortgage-free and gift-tax free homes as well as over 130 payment free vehicles to Wounded Heroes and Gold Star Families, in all 50 States. In addition to the homes or vehicles, the families receive financial literacy training; 3 years for home recipients and 1 year for vehicle recipients.

Helping a Hero

Helping a Hero provides specially adapted homes for qualifying service members through partnerships made with the builders, developers, communities, and the Veteran. Ordinarily, homes are built in master-planned communities where the developer donates the lot and the builder builds at cost.

Gary Sinise Foundation Restoring Independence Supporting Empowerment (R.I.S.E.)

The Gary Sinise Foundation serves our nation by honoring our defenders, Veterans, first responders, their families, and those in need. Core programs include R.I.S.E. which provides homes and/or home modifications for severely wounded Veterans; Relieve & Resiliency which supports families facing hardships before, during or after serving; First Responders Outreach which supports firefighters, police and EMTs who sacrifice daily to ensure our safety, with funding, equipment, PPE and training.

Coast Guard Mutual Assistance

Supporting and offering aid to the entire Coast Guard family; Active-duty and retired military personnel, civilian employees, commissioned officers of the Public Health Service serving with the Coast Guard, Reservists, Auxiliarists, and their families.

Air Force Aid Society

The Air Force Aid Society (AFAS) works to support and enhance the U.S. Air Force and U.S. Space Force missions by providing emergency financial assistance, educational support, and community programs to Air Force and Space Force families.

American Red Cross Emergency Services

The Department of Defense (DoD) and the American Red Cross have partnered since 1881. The American Red Cross works in partnership with military aid societies to provide quality, reliable financial assistance to eligible applicants 24/7/365. The American Red Cross delivers verified messages to deployed service members during emergencies at home. The American Red Cross Hero Care Center is available 7 days a week, 24 hours a day, 365 days a year. The American Red Cross has supported veterans since the first World War and remains committed to those who served in the U.S. Armed Forces wherever they may reside. The American Red Cross offers confidential services to all veterans and their families by connecting them with local, state and national resources through our network of chapters in communities across the United States and offices on military installations worldwide.

Veterans of Foreign Wars (VFW) Financial Assistance for Service Members

The Veterans of Foreign Wars of the United States is a nonprofit veterans service organization comprised of eligible veterans and military service members from the active, guard and reserve forces. Many veterans are unaware they are owed money and benefits. Those who know often struggle with how to get them. VFW’s National Veterans Service (NVS) professionals help veterans cut through red tape to find and get the money and benefits they earned. The VFW mission is to support programs that increase awareness of the sacrifices America's veterans make through their military service. Financial stress can take a toll on mental health. Financial strain can contribute to stress, anxiety, and other mental health issues. The VFW Financial Assistance for Service Members program helps America's active-duty service members and their families who run into unexpected financial difficulties as a result of deployment or other military-related activity or injury. The program provides financial assistance up to $2,500 to assist daily necessities in the form of a grant – not a loan – so no repayment is required.

To be eligible, you must be a service member, who is currently on active duty (to include activated Guard/Reserve members) whose financial hardship is a direct result of a current deployment, military pay error at no fault of the service member, or currently pending a medical discharge due to service-connected injuries/illnesses received while on active duty. The financial hardship cannot be caused by misconduct, civilian, legal, or domestic issues, any issues that are a result of spousal separation or divorce, and/or financial mismanagement by self or others, or due to bankruptcy. All grants are paid directly to the creditor and not to the applicant. The applicant must provide the most current bills due. VFW renders payment for eligible current bills only. Expenses Eligible for consideration of payment (daily necessities):

• Housing expenses - mortgage, rent, repairs, and homeowners’ insurance (establishing residence/insurance or paying off expenses for a residence that is no longer being occupied will not be considered).
• Vehicle expenses – payments, repairs, insurance (purchasing/paying off loan, major repairs for vehicles over 10 years old, registering, establishing insurance will not be considered).
• Utilities (establishing/paying off utilities for a residence no longer being occupied will not be considered).
• Childcare.
• Medical bills (the patient’s portion for necessary or emergency medical care only).

To qualify for membership in the Veterans of Foreign Wars, an individual must meet the following TWO requirements:

1. Honorable Service – must have served in the Armed Forces of the United States and either received a discharge of Honorable or General (Under Honorable Conditions) or be currently serving.
2. Service in a war, campaign, or expedition on foreign soil or in hostile waters. This can be proven by any of the following:
    An authorized campaign medal
    Receipt of Hostile Fire Pay or Imminent Danger Pay
    Service in Korea for 30 consecutive or 60 non-consecutive days qualify.

• China Service Medal
• American Defense Service Medal
• European-African-Middle Eastern Campaign Medal
• American Campaign Medal
• Asiatic-Pacific Campaign Medal
• Army of Occupation Medal
• Navy Occupation Service Medal
• Korean Service Medal
• Navy Expeditionary Medal
• Marine Corps Expeditionary Medal
• Vietnam Service Medal
• Armed Forces Expeditionary Medal
• Southwest Asia Service Medal
• Kosovo Campaign Medal
• Combat Infantryman Badge
• Combat Medical Badge
• Combat Action Ribbon
• Combat Action Medal (Air Force Combat Action Medal)
• Combat Action Badge
• SSBN Deterrent Patrol Insignia
• Korea Defense Service Medal
• Global War On Terrorism Expeditionary Medal
• Afghanistan Campaign Medal
• Iraq Campaign Medal
• Inherent Resolve Campaign Medal
• Air and Space Expeditionary Service Ribbon WITH GOLD BORDER
• Purple Heart
• Korea Duty (Service in Korea for 30 consecutive or 60 non-consecutive days)
• Hostile Fire Pay or Imminent Danger Pay (verified by a military pay statement)

This information is usually available through a veteran’s DD-214. If other information is needed or if a veteran’s DD-214 is not complete, they can contact the National Personnel Records Center at 314-801-0800 or online at http://www.archives.gov/veterans/evetrecs/ to request more information. VFW recently reported that 24 participating Burger King franchisees and 880 restaurants provided $348,559 for VFW’s NVS through the annual fundraiser. Each year, the fundraising campaign invites guests to donate $1 or more with their purchased meals. Funds help provide free VA claims assistance through NVS for military and veteran families, ensuring they receive the benefits they have earned. Since 2007, Burger King franchisees have raised more than $7.8 million in support of VFW programs. Last year, VFW’s National Veterans Service helped more than 590,500 veterans receive $14.62 billion of VA disability benefits, including back pay. VFW’s network of VA-accredited service officers has been helping veterans receive their earned pay. Visit the VFW website to locate and communicate with your nearest VFW Post.

Disabled American Veterans (DAV) National Service Foundation

The DAV National Service Foundation develops financial resources to support the assistance, care, rehabilitation, and maintenance of sick and injured Veterans and their dependents — whether directly or through contributions to DAV's national organization, departments, and chapters. When disasters strike, DAV and its National Service Officers (NSOs) are on the ground and ready to help. DAV provides relief through financial assistance and supply kits, ensuring that Veterans and their families can access basic necessities such as food, warm clothing, and shelter when they need it most. DAV disaster relief drafts and supply kits are limited to one per family per disaster. To qualify, the following criteria must be met:

• The applicant must be an ill, injured, or wounded Veteran or their spouse (same household); or a surviving spouse receiving Death Compensation or Dependency and Indemnity Compensation (DIC); or a surviving spouse of a former Prisoner of War (POW); or a surviving spouse of an ill, injured, or wounded Veteran whose life was lost in the recent disaster.
• The applicant does not need to be a DAV member or receiving service-connected compensation to be eligible.
• The applicant must be the victim of either an isolated or large-scale disaster.
• The applicant must be in immediate need of financial assistance at the time of the disaster — meaning they do not have available funds to cover acquired expenses. For example, a Veteran may be covered by homeowners insurance but is awaiting compensation that won't arrive for several days.

For decades, sick and injured Veterans have relied on DAV National Service Officers (NSOs) to help them access the benefits they have earned. NSOs also provide emergency relief, counseling, and claims assistance when Veterans need it most. Service is the cornerstone of DAV's mission — to empower Veterans to lead high-quality lives with dignity and respect. Find your nearest NSO and DAV Chapter by visiting the DAV website.

American Legion National Emergency Fund (NEF)

Since the early 1920s, American Legion has been actively involved in meeting the needs of both the community and individual Legion Family members in the wake of disasters such as hurricanes, tornadoes, earthquakes and wildfires. American Legion's NEF provides up to $3,000 for qualified American Legion members and up to $10,000 for American Legion posts. Applicant must have been displaced from their primary residence due damage sustained during a declared natural disaster. The American Legion NEF is not meant to replace or repair items, only to meet most immediate needs (i.e., temporary housing, food, water, clothing, diapers, etc.) during the period immediately following the disaster. Visit the American Legion website to locate and communicate with your nearest American Legion Post.

CREDIT UNIONS AND BANKING

The National Credit Union Administration (NCUA)

The National Credit Union Administration (NCUA) is an independent federal agency created by the U.S. Congress to insure deposits at federally insured credit unions, protect the members who own credit unions, and charter and regulate federal credit unions. While there are many options to receive and spend money, opening and maintaining accounts with a credit union will help with managing money and building wealth securely. Credit union checking or savings accounts are accessible and convenient. Plus, your individual accounts at federally insured credit unions are insured up to $250,000 by the U.S. federal government. 

Financial Well-Being of Servicemembers & Their Families - Servicemembers and military families face unique financial challenges, whether on active duty, returning to civilian life, or living as a Veteran. In recent years, servicemembers have joined the ranks of those who are considered most vulnerable to predatory lenders and identity theft. Most military families today are not saving adequately for retirement, and many do not have an emergency fund. Created by the U.S. Congress in 1970, NCUA is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions.

Defense Credit Union Council

DCUC is the trusted resource for credit unions on all military and veteran matters that came into existence through the selflessness and compassion of individuals who sought to provide consistent and reliable financial services to those dedicated to safeguarding our lives. Defense credit unions, serving a highly mobile membership, face unique and distinctive challenges that set them apart from traditional credit unions. As a founding partner of Veteran Saves we're encouraging all our members to join them in their important mission of guiding veterans, transitioning service members, and their families to financial wellbeing. Veteran Saves Week is November 4-7, 2025. The Council is governed by a seven-member Board of Directors consisting of a representative from each of the services -- Army, Marine Corps, Navy, and Air Force -- plus three representatives at large. ​The Council operates daily under the supervision of a President/CEO and a small staff from offices in Washington, D.C., and supports five active sub-councils --- the Overseas Sub-Council, the Hawaii Sub-Council, the Midwest Sub-Council, the Texas Sub-Council, and the Northwest Sub-Council.

The Federal Deposit Insurance Corporation (FDIC)

FDIC is an independent agency created by the Congress to maintain stability and public confidence in the nation’s financial system. The FDIC insures deposits; examines and supervises financial institutions for safety, soundness, and consumer protection; makes large and complex financial institutions resolvable; and manages receiverships. Since its creation in 1933, the FDIC has been an essential part of the American financial system. In the 1920s and early 1930s, a rise in bank failures created a national crisis, wiping out many Americans’ savings. Since FDIC insurance began in 1934, no depositor has lost a single penny of insured funds due to bank failure. The FDIC directly supervises and examines more than 5,000 banks and savings associations for operational safety and soundness. Banks can be chartered by the states or by the Office of the Comptroller of the Currency. Banks chartered by states also have the choice of whether to join the Federal Reserve System. The FDIC is the primary federal regulator of banks that are chartered by the states that do not join the Federal Reserve System. In addition, the FDIC is the back-up supervisor for the remaining insured banks and savings associations.

MILITARY VETERANS BANKING

Veterans Benefits Banking Program (VBBP)

VBBP, in conjunction with Veterans Benefits Administration (VBA) and Association of Military Banks of America (AMBA) provides Veterans, Veteran beneficiaries and Veteran caregivers the resources needed to receive and manage VA monetary benefits and improve their financial health. VA, VBA, and the Association of Military Banks (AMBA) officially launched VBBP on December 20, 2019. At VBBP, we’re committed to helping Veterans navigate their financial challenges. VBBPs personalized guidance aims to ease financial worries and support mental wellness. VBBP offers tools and resources to help Veterans manage their finances and alleviate stress. Financial stress can affect your mood and mental health. VBBP provides resources and personalized plans to help you manage money and improve mental well-being. VBBP offers a safe space to discuss your financial concerns with financial and credit counselors. VBBP’s financial and credit counselors offer guidance on creating a budget and managing expenses, helping you reduce financial stress and improve overall well-being. Any Veteran, beneficiary, or caregiver (i.e., a VA-benefit recipient) who receives recurring federal monetary benefits or stipends can use VBBP. Since launching VBBP, thousands of VA-benefit recipients have opened accounts at participating banks and credit unions. The three ways VBBP can help you become more financially secure...

1. Find a Bank or Credit Union Convenience, cost and customer service are criteria that matter when you’re choosing a bank or credit union. Search our database to find yours.
2. Receive Free Counseling You have access to free financial counseling. A financial counselor can offer you insights on your financial options.
3. Improve Your Financial Health Improving your financial health offers you a wide range of benefits, from reducing stress and achieving your goals to securing your future. Start today!

VBBP provides options to VA-benefit recipients to receive their benefits through Direct Deposit, effectively manage monetary benefits, and reduce the risk of fraud. VA's VBBP helps Veterans, VA beneficiaries and caregivers by offering financial services to help achieve greater financial independence, resiliency and literacy. The program provides Veterans, beneficiaries, and caregivers (VA benefit recipients) a safe, reliable, and inexpensive way to receive and manage their VA monetary benefits. VBBP connects VA benefit recipients with banks and credit unions who understand Veterans’ financial needs and can provide Veterans and their families with the highest level of service. VBBP is accessible to VA benefit recipients’ regardless of their credit or legal history and can even help homeless Veterans open a checking or savings account. VBBP offers free financial or credit counseling through the National Foundation for Credit Counseling (NFCC) and the Association for Financial Counseling & Planning Education® (AFCPE). 

NW MIRECC is a proud participant in Veteran Saves Week

As a Participating Organization for Veteran Saves Week 2025, NW MIRECC is just one of the hundreds of organizations that will take part in a national conversation, from Tuesday, November 4, to Friday, November 7, which encourages the military-connected community to take control of their financial future. The annual campaign focuses on increasing the financial confidence of Veterans, transitioning military members, and their families/caregivers while encouraging them to engage in a financial check-in, gaining valuable insights to enhance their financial well-being. Throughout the week, NW MIRECC encourages Veterans, transitioning military members, and their families/caregivers to become engaged in the following daily themes:

The NW MIRECC Financial Readiness section is geared to help the military-connected community build stability, prepare for the unexpected, and plan for the future. Together, we’ll encourage smart saving habits, connect Veterans to trusted support, and remind each other that financial confidence starts with one small step. Those with a savings plan are twice as likely to save successfully. Taking the Veteran Saves Pledge is a pledge to yourself to start a savings journey and Veteran Saves is here to encourage you along the way. Take the first step toward creating a better financial future. Make a plan, set a goal, and pledge to yourself to start saving, today. 

Since 2007, Veteran Saves Week (Formerly Military Saves Week), coordinated by America Saves and its partners, has been an annual celebration as well as a call to action for military-affiliated Americans to commit to saving successfully. Through the support of hundreds of participating organizations, together, we encourage our local communities to do a financial check-in to get a clear view of their finances and saving behaviors. The Veteran Saves pledge is an online tool that allows Savers to set a goal and make a simple savings plan that works. Learn more at https://veteransaves.org/.

The Association of Military Banks of America (AMBA)

AMBA was founded in 1959. AMBA is a not-for-profit association of banks operating on military installations, banks not located on military installations but serving military customers, and military banking facilities designated by the U.S. Treasury. The association's membership includes both community banks and large multinational financial institutions, all of which are insured by the Federal Deposit Insurance Corporation.

Armed Forces Financial Network (AFFN)

AFFN's mission is to increase the versatility of participating financial institutions to better serve the U.S. military. AFFN is co-owned by AMBA and DCUC. AFFN was founded in 1985 at the request of the U.S. Army in support of the Surepay direct deposit system to provide U.S. military personnel (active, reserve, dependents and retired) with access to their funds through ATM and point-of-sale (POS) terminals at or near U.S. military bases worldwide.

FINANCIAL LITERACY, EDUCATION, AND WELLNESS GUIDES

Financial Wellness: Sound Principles For Successful Money Management Audio Book

Published in collaboration with nonprofit Guideposts, this instructive booklet, Financial Readiness— Sound Principles for Successful Money Management, addresses an important aspect of preparedness. Financial strains of deployments, unforeseen emergencies and “over-the-top” phone bills can burden even the most purposeful among us. Advice from trusted mentors who work to help those with financial difficulties. Providing insight into setting goals, forming budgets, understanding credit, and investing for the future are treated in clear, understandable terms. These principles help obtain a more secure financial future through more careful spending and improved saving and investing habits. https://handsonbanking.org/wp-content/uploads/documents/FinancialReadinessGuide.pdf

MyCreditUnion.gov

MyCreditUnion's mission is to be a trusted resource for financial literacy tools and educational materials that empowers consumers to make informed financial decisions for themselves and their families. Credit unions offer a variety of financial products and services to help you manage, grow, and protect your money. The NCUA regularly hosts webinars for consumers, credit unions, and other educators on the latest financial trends and research, as well as to highlight financial literacy programming and resources. Find useful discussions and tips from NCUA experts and other collaborators. Part of our mission is to encourage financial literacy because we understand that when credit union members and consumers are more educated and informed, they’re better equipped to make the best financial decisions for themselves and their families. The NCUA offers a variety of tools to support credit unions in their financial literacy efforts, as well. The Money Basics Guides are a series of educational resources to assist financial educators, credit unions, and other financial institutions promote financial literacy in their communities. These guides are also for everyday people who want to build their financial knowledge with practical skills they can use to manage their money. You can use the guides for group and individual learning.

• Guide to Building and Maintaining Credit - Understanding how to build and maintain good credit can feel intimidating, especially if you've experienced financial setbacks along the way. This guide is designed to teach you the basics so you can protect yourself from credit errors and fraud, while also building good money habits that make credit work in your favor.
• Guide to Budgeting and Savings - Developing a budget can feel scary for many consumers. It requires you to be proactive about your financial situation and for many people, it can be hard to face. But having a budget is crucial to managing your money, staying out of debt, and ultimately building wealth. More than anything, budgeting helps you to keep track of what money is coming in and what money is going out of your pocket—also known as your income and expenses.
• Guide to Savings and Checking Accounts - Establishing a savings and checking account is one of the first steps in establishing your financial foundation. These accounts allow you to deposit, store, and your withdrawal money. To learn more about account features and the things you need to know to manage your accounts wisely, check out this guide.

Federal Reserve Education (FRE) and Fed Communities

FRE is a collaborative group of experienced educators from across the Federal Reserve System. Together, we are committed to making economic and financial concepts accessible, relevant, and empowering for learners of all ages. We provide classroom resources and professional development designed to support educators and engage students in meaningful learning about:

1. Economics: Developing a solid foundation of economic principles and their practical applications.
2. The Federal Reserve: Exploring how the Fed promotes economic stability and growth.
3. Personal Finance: Building financial literacy skills for informed decision-making.

For those focused on learning more about promoting economic growth and stability, Fed Communities offers public programs, outreach and technical assistance. Through applied research, public programs, outreach and technical assistance, Federal Reserve community development teams help promote economic growth and financial stability in low- and moderate-income communities across the country. Tap into discussions around independent and nonpartisan research that aims to help workers, small business owners, and underserved communities across the nation.

The Veteran Entrepreneur

Running your own business can be wonderful. You get the satisfaction of using your talents while doing work you enjoy. This booklet reveals the 6 basic skills every entrepreneur needs as well as shows veterans how to get funding, training and more

Making₵ents Smart Money Strategies

Personal Finance Knowledge Center for military life providing step-by-step information and education for navigating auto loans, saving for retirement, paying for college, buying a home and much more. From expert advice to budget calculators, our tools and resources can help you achieve your financial goals. Saving and budgeting work together to help you enjoy a better today and build a more secure tomorrow.

VET CENTS

Launched in November 2023, VetCents is an award-winning online service that starts with a financial health assessment, followed by a custom strategy to help Veterans widen their financial knowledge and skills. VetCents was created by the Military Family Advisory Network (MFAN), a national nonprofit, to connect families to information and resources that they need to reach their financial goals. Today, VetCents is fully integrated in the Veterans Benefits Banking Program (VBBP), multiplying VetCents’ potential to support the financial wellbeing of those who have served our country as they navigate their financial journey. VetCents is provided at no cost to Veterans, Veteran beneficiaries and Veteran caregivers thanks to support provided by the Wells Fargo Foundation and the American Bankers Association (ABA) Foundation. Good financial health begins with VetCents, a celebrated online program designed specifically to help our military Veterans and family members improve their financial wellbeing. VetCents is your starting point for a brighter and healthier financial future. Gain the knowledge, skills, and confidence you need to take control of your financial life and feel happier, less stressed, and more optimistic. Participants get regular feedback on their progress to help them stay on track with financial goals. VetCents is fully integrated with other VBBP services to help Veterans take command of their financial wellness. With each step in the assessment, you will unearth and gain a greater awareness of your financial interests, needs, and goals. You will also discover what you are doing well — and not so well — in your financial life.

Veterans Guide: Understanding Your Benefits

Reviewed by VA's Veterans Benefits Administration, the Veterans Guide is designed to offer veterans and their families valuable guidance and effective financial decision-making strategies. As a veteran, you’ll face many decisions affecting your family, your career after the military, and your financial wellbeing. You’ll need to decide where to live, choose whether to continue your education or take a new job, and select health insurance. If you have a disability connected to your service, you’ll want to initiate the claims process so that you can receive the health care and compensation you deserve. The VA offers special programs, resources, and individual support to help you take full advantage of the benefits it provides. This digital educational resource guide explains Veterans' choices and strategies for making solid financial decisions.

Financial Preparations for Deployment

Having a financial action plan can give you greater control and peace of mind during deployment. Here are some financial considerations before, during, and after deployment. Financial education and knowledge is important for everyone – take some time to explore the financial assessment, our tools, resources, and more.

​Armed Forces Financial Guide: Mapping the Military Lifecycle

Armed Forces Financial Guide: Mapping the Military Lifecycle is a comprehensive resources to assist service members and their families with money management and financial planning through each stage of the military lifecycle, from enlistment and promotion to separation and retirement. Under one cover, it provides essential information on qualifying for and accessing military benefits, working as a family to make sound financial choices, transitioning from active duty to civilian life, and enrolling in essential veterans programs.

Building Wealth

Building Wealth offers financial guidance to veterans, active members of the U.S. Military and their families. Topics include: getting started with investing, guidelines for smart investing, and saving for retirement. Building Wealth also includes a special section on the U.S. Military’s new ‘Blended Retirement System’.

Thrift Savings Plan (TSP)

The Thrift Savings Plan (TSP) is a retirement savings and investment plan available to federal employees and members of the Uniformed Services. Comparable to the 401(k) plans offered by many private sector employers, the TSP provides the same types of savings and tax advantages — giving Service members access to a powerful tool for building long-term financial security. The TSP is a defined contribution plan, meaning that the retirement income you ultimately receive will depend on two key factors: how much you — and your Service, if applicable — contribute to your account during your working years, and the earnings that accumulate on those contributions over time. The more consistently you contribute, the greater the potential for a secure retirement.

Understanding the Blended Retirement System (BRS)

No matter your age, retirement is an important long-term financial goal. Being well informed can help you plan to have enough money to enjoy a comfortable lifestyle once you’ve stopped working. In this booklet, service members will learn the ins and outs of BRS and Total Savings Plan. Plus detailed information about how much can be saved, vesting and accessing funds.

Guide to the Military's Blended Retirement System

This booklet is the essential guide to DoDs retirement initiative. The guide clearly describes the key features and benefits of BRS, including the tax-deferred TSP account, matching contributions from the DoD, and investment choices and strategies for building a retirement portfolio. DoD matches 100% of the first 3% of basic pay that a member contributes to a TSP account, plus 50% of additional contributions, up to 5% of basic pay. That’s the same match available to civilian employees in the Federal Employee Retirement System (FERS).

Blended Retirement System

The Blended Retirement System combines elements of the legacy retirement system with benefits similar to those offered in many civilian 401(k) plans. BRS is a modernized retirement plan for the Uniformed Services that is available to eligible service members. Features of the BRS includes a defined benefit (monthly retired pay for life) after at least 20 years of service, a defined benefit (consisting of government automatic and matching contributions) to a member’s TSP account, a bonus called continuation pay and a new lump sum option at retirement.

Military Service Buy Back

If you are a federal civilian employee who previously served in the military and were honorably discharged, you may be eligible to buy back your military service time — adding those years to your federal civil service record and strengthening your retirement benefits.

Also known as a Military Service Deposit, this benefit allows eligible employees to receive retirement credit for their time in uniform. As a general rule, military service is creditable for federal civil service retirement purposes if it was active service terminated under honorable conditions.

• If you apply to buy back your military service time within three years of beginning civilian service, no interest will be assessed.
• If you have more than three years of civilian employment before applying, interest charges may apply.

Applying sooner rather than later can make a meaningful difference in the total cost — so it's worth exploring early. If you're considering a military buy back but aren't sure of the potential costs, the Defense Finance and Accounting Service (DFAS) Military Service Buy Back Estimator is a free, easy-to-use online tool. By answering a few simple questions, it will provide a quick estimate of your military earnings and the cost of buying back your service time. To complete a military buy back, Veterans must deposit funds covering their military service period. The deposit is processed through DFAS and/or your agency's Personnel or Human Resources Office.

FDIC Money Smart

As a member of the Federal Deposit Insurance Corporation (FDIC) Money Smart Alliance, NW MIRECC helps promote financial capability to strengthen the financial education efforts of Veterans, Servicemembers, and their families. NW MIRECC began development of Financial Readiness resources through the FDIC Helping Veterans #GetBanked and Manage Their Money training program. First released in 2001 and regularly updated since then, Money Smart has a long track record of success in reducing stress and improving financial readiness of Veterans. The Helping Veterans #GetBanked and Manage Their Money training program provided resources to Veterans Service Organizations, VA special Outreach Program Coordinators, and others who provide direct services to U.S. Veterans and have a direct interest in increasing Veterans’ financial capability. The FDIC is an independent agency created by Congress to maintain stability and public confidence in the nation's financial system.

CREDIT, INCOME, AND RETIREMENT

Cost of Living Adjustments for Service-Connected Benefits and Disabled American Veterans (DAV) VA Compensation Calculator

To protect the purchasing power of Veterans' benefits against inflation, the VA periodically makes Cost-of-Living Adjustments (COLAs) to compensation and pension payments. These adjustments ensure that the benefits Veterans and their families depend on keep pace with the rising cost of everyday goods and services.

How COLA Is Calculated

The Bureau of Labor Statistics (BLS), the principal fact-finding agency for labor economics within the U.S. Department of Labor, calculates and publishes monthly Consumer Price Index (CPI) reports. The CPI measures the average change over time in prices paid by urban consumers for a standard market basket of goods and services. Annual COLA is determined by comparing the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for the months of July, August, and September of the current fiscal year against the same three-month average from the prior fiscal year.

2026 COLA: 2.8%

For September 2025, the CPI-W increased 2.9% over the prior 12 months, reaching an index level of 318.139 (1982–84=100). The calculated average CPI-W for the final three months of FY25 was 317.265. Applying the COLA formula:

(317.265 − 308.729) ÷ 308.729 = 2.76%, rounded to a 2.8% COLA for 2026.

Veterans, families, and dependents eligible for VA benefits will see the updated amount reflected in their monthly payments effective January 1, 2026. Annual COLA increases apply to a range of VA benefits, including:

• Service-connected disability compensation — monthly, tax-free payments to Veterans who became sick or injured during military service, including those whose existing conditions were worsened by service
• Clothing allowance
• Automobile allowance
• Medal of Honor pension — eligible recipients may receive an additional $5,780.00 per month
• Dependency and Indemnity Compensation (DIC) — for surviving spouses and children
• Survivor benefits — for the surviving spouse, child, or parent of a Service member who died in the line of duty, or a Veteran who died from a service-related injury or illness

VA survivor benefits are tax-exempt, meaning recipients will not owe taxes on these compensation payments. MOAA's COLA Watch publishes monthly updates and inflation figures used to set COLA for military retirees, disabled Veterans, Social Security beneficiaries, and others receiving federal compensation — a helpful resource for staying current on adjustments that may affect your payments. To estimate your VA disability compensation, visit the DAV Disability Calculator at dav.org/disability-calculator. Please note that this tool provides estimates for informational purposes only, as many factors are considered in official VA calculations and ratings. For personalized guidance, contact an accredited Service Officer with any questions about your VA benefits.

Best & Worst States for Military Retirees

Military families are accustomed to moving, but when it comes time to retire, it can be difficult to decide where to put down roots. For example, veterans must consider state tax policies on military benefits, along with the relative friendliness of different job markets and other socioeconomic factors, when choosing a state in which to settle down. Many retirees also face major struggles including Posttraumatic Stress Disorder, disability and homelessness. To help ease the burden on our nation’s military community, WalletHub compared the 50 states and the District of Columbia based on their ability to provide a comfortable military retirement. Our analysis uses a data set of 28 key metrics, ranging from veterans per capita to the number of VA health facilities to job opportunities for veterans.

AnnualCreditReport.com

AnnualCreditReport.com is the official site to get your free annual credit reports. The only official site explicitly directed by Federal law to provide free online credit reports from Equifax, Experian and TransUnion. This right is guaranteed by Federal law. You can be sure that you are on the right site if you type www.AnnualCreditReport.com in your browser address line. Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application. Credit reports play an important role in your financial life and we encourage you to regularly check your credit history. Make sure that you recognize the information on your credit report including your personally identifiable information, such as names, addresses, Social Security Number, accounts and loans. Then check that the other information on your credit report is accurate and complete. If you find information that you believe does not belong to you or is not correct, contact the business that issued the account or the credit reporting company that issued the report.

OptOutPrescreen.com

The official Consumer Credit Reporting Industry website to accept and process requests from consumers to Opt-In or Opt-Out of firm offers of credit or insurance. Equifax, Experian, Innovis, and TransUnion, (collectively the "Consumer Credit Reporting Companies"), encourage you to make an informed decision about receiving firm (preapproved / prescreened) offers of credit or insurance. There are several benefits of receiving firm offers.

Request a Security Freeze

A security freeze is a step you take to prevent credit, loans and services from being opened in your name without your permission. You will need to request a freeze with each of the three credit reporting companies. It is important to know that if you place a security freeze on your credit report, businesses will not be able to obtain a copy of your report in connection with any new applications for credit. Before you apply for new credit, you will need to temporarily lift the security freeze following the procedures from the credit reporting company where you placed the freeze.

Lexis/Nexis Consumer Report

Your LexisNexis report may contain a variety of personal data, including:

• Real estate transaction and ownership records
• Lien, judgment, and bankruptcy records
• Professional license information
• Historical addresses

Requesting Your Own Report

You have the right to request a copy of your own report. To do so, complete a request form with proper identification included. To speak directly with a live LexisNexis Risk Solutions Consumer Center representative, call 1-888-497-0011.

Request a LexisNexis Security Freeze

Applying a security freeze prohibits LexisNexis Risk Solutions and SageStream from releasing your LexisNexis Consumer Disclosure Report, your SageStream Consumer Report, or your credit score without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, a security freeze does not apply to companies, or collection agencies acting on behalf of such companies, with which you have an existing account that requests information in your consumer report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. LexisNexis Risk Solutions does not charge a fee to apply, lift or remove a security freeze from your file.

PENSIONS AND ALLOWANCES

Special benefit allowances rates: If you’ve received the Medal of Honor, we may pay you an additional $5,780.00 each month. VA adjusts the Medal of Honor pension to make sure your benefits keep up with inflation. These adjustments match the percentage of cost-of-living adjustments for your Social Security benefits.

VA's Automobile Allowance and Adaptive Equipment grant changes a vehicle so it has features like power steering, brakes, seats, windows, or lift equipment to help you get into and out of the vehicle. 

• If you have a service-connected disability that prevents you from driving, we may pay up to $27,074.99 toward a specially equipped vehicle for you.

VA provides Veterans with a clothing allowance to replace clothes damaged by a medicine or prosthetic or orthopedic device related to your service-connected disability.

• If a skin medicine, prosthetic, or orthopedic device related to your service-connected disability damages your clothes, we may pay you $1,053.19 to replace the damaged clothes. This may be a one-time payment or we may pay this amount once a year.

Veterans eligible for clothing allowance benefit:

• Veterans who are rated for a service-connected disability for which they use a prosthetic or orthopedic appliance(s) may be entitled.
• Veterans whose service-connected skin condition requires a prescribed skin medication that irreparably damages the Veteran's outer garments may be entitled.

This allowance is also available to any Veteran whose service-connected skin condition requires prescribed skin medication that irreparably damages their outer garments.

LIFE INSURANCE, WILLS, AND ESTATE MANAGEMENT

Veterans Affairs Life Insurance (VALife)

VALife provides low-cost coverage to Veterans with service-connected disabilities. As part of the VA mission to serve Servicemembers, Veterans, and their families, VA provides valuable life insurance benefits to give you the peace of mind that comes with knowing your family is protected. VALife is guaranteed acceptance whole life insurance available to all Veterans aged 80 and under, who have a VA disability rating of 0 to 100%, with no medical underwriting and no time limit to apply. Veterans who are 81 or older and apply for VA Disability Compensation for a service-connected disability before age 81 and receive a rating for that same disability after turning 81 are also eligible if they apply within two years of receiving notification of their rating. The VALife program includes key dates and features impacting the Service Disabled Veterans Insurance (S-DVI) program. VA's S-DVI program stopped taking new applications in 2022. VALife is guaranteed acceptance whole life insurance. This means that if you meet the eligibility requirements for VALife, we’ll automatically approve your application. You won’t need to prove you’re in good health. And you can keep your coverage for the rest of your life.

• If you apply for VALife on or after January 1, 2026, your S-DVI (including policies with premium waivers) will end the day we approve your VALife application. You’ll need to pay only VALife premiums during the 2-year waiting period. But you won’t have full coverage during this time.

Servicemembers’ Group Life Insurance (SGLI) and Veterans Group Life Insurance (VGLI)

With VGLI, you may be able to keep your life insurance coverage after you leave the military for as long as you continue to pay the premiums. You can get between $10,000 and $500,000 in term life insurance benefits. The amount you’ll get will be based on how much SGLI coverage you had when you left the military.

Navy Mutual Life Insurance

Membership with Navy Mutual is reserved for active duty, reserve/guard, and retired servicemembers in any branch of the United States military or uniformed services.

American Armed Forces Mutual Aid Association (AAFMAA)

Armed Forces Mutual’s life insurance policies are designed exclusively for the military community. AAFMAA is dedicated to providing the most affordable solution without sacrificing quality or personal service.

United Services Automobile Association (USAA) Life Insurance

USAA was founded on military values. We consider it a privilege to serve those who defend our country. Our unwavering commitment to serve with excellence means we work to support our members’ changing needs today, tomorrow and for generations to come. USAA is a company with a simple, yet meaningful mission: to empower members to achieve financial security through competitive products, exceptional service and trusted advice. USAA products and services have no membership fees. USAA can help you get the coverage and savings you need with products from USAA Life Insurance Company, USAA Life Insurance Company of New York and more.

Trust, Will and Estate Management

Planning ahead for your loved ones’ future is a huge deal. It’s how you protect and manage your assets, make sure your heirs won’t overpay taxes and ensure your wishes are honored. When it comes to your trust, will and estate, our partners are ready to serve you. Navy Federal Investment Services partners with Trust & Will to provide online tools with step-by-step instructions to help you create a will, trust or both. A trust is an account you set up while you’re alive to hold your assets; it doesn’t replace a will. It will go into effect as soon as it’s set up, but you control how and when assets are distributed. You’ll appoint someone to manage the trust and distribute assets according to your instructions, which could help your heirs avoid probate and lower their tax burden. Trusts can also help protect you if you become disabled or incapacitated. Like a will, you can name guardians and declare your preferences for final arrangements. But, trusts can be more complicated and costly than wills—partly because of fees for set-up, continual management and other services.

Legal Help for Veterans

If you are a service member or Veteran in need of legal assistance now, there are several resources available to assist you. Many legal service providers offer free legal clinics in VA facilities. The VA contacts listed in these resources are not attorneys and therefore incoming email is not attorney client privileged nor a secure form of communication. VA provides monthly updates for Medical Legal Partnerships and VA-Affiliated Legal Clinics. The VA contacts can provide additional information about the legal clinics operating in their facilities, but they cannot give legal advice, determine your eligibility for a legal clinic, or schedule a legal clinic appointment for you.

VA’s Veterans Benefits Administration Online Will Preparation Service

Financial planning and online will preparation services available at no cost to beneficiaries of service members’ group life insurance, traumatic injury protection, family service members’ group life insurance and Veterans’ group life insurance. VA also offers free legal service clinics at VA centers throughout the country. You can see a list of these legal service clinics on the VA website. You can also contact your local VA department directly or talk to an outreach specialist at a VA Medical Center. The online will preparation service enables beneficiaries to quickly and easily prepare a will without an attorney. After answering a series of straightforward questions, the beneficiary will receive a legal will, valid in all states, ready to print and sign. This service provides beneficiaries with free, professional financial advice from FinancialPoint, an independent company whose team of professionals are experts in handling a wide range of financial matters. Beneficiaries can access this service online 24/7 to request a financial plan.

HOME BUYING, REFINANCING, AND HOME LOAN RELIEF

Veterans Home Buying Guide

A tailored resource aimed at assisting Veterans through the process of purchasing a home. This comprehensive guide offers invaluable insights to help navigate the complexities of homeownership, ensuring that Veterans are well-equipped to make informed decisions. ​From understanding the intricacies of the home buying process to managing expectations and achieving financial goals, this guide serves as a roadmap for success. While it provides essential information, we strongly recommend consulting with a military-connected realtor and a qualified mortgage lending officer to tailor your approach to your specific needs and goals.

VA Home Loans

The VA home loan benefit helps Veterans, Servicemembers, and eligible surviving spouses become homeowners. VA Home Loans allow financing up to 100% of a primary home purchase with no mortgage insurance and no prepayment penalty. VA-guaranteed home loans are made by private lenders, such as credit unions, mortgage companies, savings and loans, and banks. The VA guaranty means the lender is protected against loss if the borrowing veteran fails to repay the loan. To be eligible, requirements include a valid Certificate of Eligibility (COE), sufficient income, and satisfactory credit.

Main pillars of the VA home loan benefit:

• No downpayment required
• Competitively low interest rates
• Limited closing costs
• No need for Private Mortgage Insurance (PMI)
• The VA home loan is a lifetime benefit: you can use the guaranty multiple times

Lenders offer competitive mortgage interest rates on VA-backed purchase loans. VA offers these three main types of guaranteed home loan benefits:

• Purchase Loans
• Cash-Out Refinance Loans
• Interest Rate Reduction Refinance Loans (IRRRL)

VA home loan programs may be used to obtain single-family homes, new home construction, manufactured homes and lots, condominiums; or refinance an existing home loan; or install energy-saving improvements. 

Steps to starting the process and finding a home

1. Apply for your VA-backed home loan Certificate of Eligibility (VA Form 26-1880)
2. Review your credit profile, income, expenses, and monthly budget
3. Select a lender
4. Select a real estate agent
5. Shop for a home

The VA funding fee is a one-time payment that the Veteran, service member, or survivor pays on a VA-backed or VA direct home loan. Find out if you’re eligible—and how to apply for your Certificate of Eligibility (VA Form 26-1880). You’ll need to bring the Certificate of Eligibility (COE) to your lender to prove that you qualify for a VA home loan. Use VA Form 26-1880 to apply for a VA home loan COE. If you need help or have questions about your eligibility, call us at 1-877-827-3702.

VA’s Native American Direct Loan (NADL)

If you’re a Veteran, and either you or your spouse is Native American, our Native American Direct Loan (NADL) program may help you get a loan to buy, build, or improve a home on federal trust land. You may also get a loan to refinance an existing NADL and reduce your interest rate. Find out if you qualify for an NADL—and how to apply. You can contact an NADL coordinator by email at NADL@va.gov or by phone at 1-888-349-7541 (TTY: 711).

VA Interest Rate Reduction Refinance Loan (IRRRL)

If you have an existing VA-backed home loan and you want to reduce your monthly mortgage payments an IRRRL may be right for you. The VA IRRRL can be used to refinance an existing VA loan to lower the interest rate. Often called a “streamline” refinance; refinancing lets you replace your current loan with a new one under different terms. Find out if you're eligible for a VA-backed cash-out refinance loan. A VA-backed cash-out refinance loan lets you replace your current loan with a new one under different terms. If you want to take cash out of your home equity or refinance a non-VA loan into a VA-backed loan, a VA-backed cash-out refinance loan may be right for you. 

1. Find a Lender. You’ll go through a private bank, mortgage company, or credit union—not directly through us—to get an IRRRL. Terms and fees may vary, so contact several lenders to check out your options.
2. Give your lender any needed information. If you have the Certificate of Eligibility (COE) you used to get your original VA-backed home loan, take it to your lender to show the prior use of your entitlement. If you don’t have your original COE, ask your lender to get your COE electronically through the VA Home Loan program portal.
3. Follow your lender’s process for closing on the IRRRL loan, and pay your closing costs. You may need to pay the VA funding fee. This one-time fee helps to lower the cost of the loan for U.S. taxpayers since the VA home loan program doesn’t require down payments or monthly mortgage insurance. Your lender will also charge interest on the loan in addition to closing fees. With an IRRRL, you can include these costs in the new loan so you don’t have to pay up front. Or, you may be able to make the new loan at an interest rate high enough so your lender can pay the costs.

VA Home Loan Temporary Financial Hardship

If you’re behind and missed mortgage payments, on your mortgage payments, contact a VA loan technician at 1-877-827-3702 or the servicer of your mortgage to get help. If you fall behind on your mortgage payments, your mortgage servicer (the company that handles collecting the money for your lender) can take your house to cover the money owed. This process is called foreclosure. VA works with the borrower to avoid foreclosure, including providing financial counseling and, in some cases, direct intervention with a mortgage loan servicer on the borrower’s behalf. Can I get VA counseling to help avoid foreclosure?

• If you’re a Veteran or the surviving spouse of a Veteran, we’ll provide counseling– even if your loan isn’t a VA-guaranteed loan.
• If you have a VA-guaranteed loan, you can contact us anytime to discuss your loan.
• If you have a VA-guaranteed loan and it’s 61 days past due, we’ll automatically assign a VA loan technician to review your loan.

If you're behind on your mortgage payments, contact us or the servicer of your mortgage to get help. And be careful of scams. Work only with trusted organizations. If your loan ends in foreclosure, short sale, or deed in lieu of foreclosure, you'll need to pay back the amount we lost on your loan to restore your future benefit. We call this process “restoration of entitlement.” To find out the amount you need to pay to restore your entitlement, contact a VA loan technician at 1-877-827-3702.

VA Home Loans and 2026 Conforming Loan Limit Values

VA home loan limits are the same as the Federal Housing Finance Agency (FHFA) limits. These are called conforming loan limits and loans above this amount are known as jumbo loans. Since 2008, various legislative acts increased the conforming loan limit values in certain high-cost areas in the United States. While some of the legislative initiatives established temporary limit values for loans originated in select time periods, a permanent formula was established under the Housing and Economic Recovery Act of 2008 (HERA). The 2026 conforming loan limit values have been set under the HERA formula. The VA home loan benefit helps Veterans, Servicemembers, and eligible surviving spouses become homeowners. VA Home Loans allow financing up to 100% of a primary home purchase with no mortgage insurance and no prepayment penalty. VA-guaranteed home loans are made by private lenders, such as credit unions, mortgage companies, savings and loans, and banks. The VA guaranty means the lender is protected against loss if the borrowing veteran fails to repay the loan. To be eligible, requirements include a valid Certificate of Eligibility (COE), sufficient income, and satisfactory credit.

VA Home Loan Circular 26-25-10 Federal Housing Finance Agency (FHFA) Announces 2026 Conforming Loan Limits - December 1, 2025

Disabled Veterans Housing Support Act

On Tuesday, January 20, 2026, President Donald J. Trump signed into law: H.R. 224, the “Disabled Veterans Housing Support Act,” which amends section 102(a)(20) of the Housing and Community Development Act of 1974 to require the exclusion of service-connected disability compensation when determining whether a person is a person of low and moderate income, a person of low income, or a person of moderate income, and for other purposes.

PUBLIC LAW 119–70—JAN. 20, 2026
To amend section 102(a)(20) of the Housing and Community Development Act of 1974 to require the exclusion of service-connected disability compensation when determining whether a person is a person of low and moderate income, a person of low income, or a person of moderate income, and for other purposes.
Be it enacted by the Senate and House of Representa¬tives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE This Act may be cited as the “Disabled Veterans Housing Support Act.

SEC. 2. SERVICE CONNECTED DISABILITY COMPENSATION. Section 102(a)(20) of the Housing and Community Development Act of 1974 (42 U.S.C. 5302(a)(20)) is amended by adding at the end the following: “(C) Service-connected disability compensation.—When determining whether a person is a person of low and moderate income, a person of low income, or a person of moderate income under this paragraph, a State, unit of general local government, or Indian tribe shall exclude any service-connected disability compensation received by such person from the Department of Veterans Affairs.

SEC. 3. REPORT. The Comptroller General of the United States shall, not later than 1 year after the date of the enactment of this Act, submit to the Congress a report that—
(1) examines how service-connected disability compensation is treated for the purposes of determining eligibility for all programs administered by the Secretary of Housing and Urban Development;
(2) identifies any instances where service-connected disability compensation is treated in a manner inconsistent with the amendment made by section 2; and
(3) with respect to each program administered by the Secretary of Housing and Urban Development in which service-connected disability compensation is treated inconsistently, provides legislative recommendations relating to how such program could better serve veteran populations, and under-served communities.

HOME IMPROVEMENT, GRANTS, AND DISASTER LOANS

Disability Grants for Veterans

VA provides housing, automobile, and clothing grants for Veterans and service members with certain service-connected disabilities. VA provides a Specially Adapted Housing (SAH) grant to assist with the cost of building, buying, adapting existing homes or paying to reduce indebtedness on a currently owned home that is being adapted, up to a maximum benefit amount.

• If you qualify for an SAH grant, you can get up to $126,526 for FY 2026. This is the current total maximum amount allowed for SAH grants.

VA may approve a Special Home Adaptation (SHA) grant to assist with the cost of adapting or purchasing a home to live more independently.

• If you qualify for an SHA grant, you can get up to $25,350 for FY 2026. This is the current total maximum amount allowed for SHA grants.

Home Improvements and Structural Alterations (HISA)

This benefit provides medically necessary improvements and structural alterations to Veterans/Servicemembers’ primary residence. VA provides up to $6,800 in lifetime benefits for service-connected Veterans. Up to $2,000 in lifetime benefits for nonservice-connected Veterans to make home improvements and/or structural changes necessary for the continuation of treatment or for disability access to the Veterans home and essential lavatory and sanitary facilities. All HISA projects must be medically justified for the service connected disability and/or non-service connected disability. Contact VA's Prosthetic and Sensory Aids Service to determine your available lifetime HISA benefits.

U.S. Small Business Administration (SBA) Physical damage loans

If you live in a declared disaster area and have experienced damage to your home or personal property, you may be eligible for financial assistance from SBA — even if you do not own a business. As a homeowner, renter, or personal property owner, you may apply to SBA for a loan to help you recover from a disaster.

Eligibility

• Homeowners may apply for up to $500,000 to replace or repair their primary residence.
• Renters and homeowners may borrow up to $100,000 to replace or repair personal property — such as clothing, furniture, cars, and appliances — damaged or destroyed in a disaster.
• Secondary homes or vacation properties are not eligible for these loans. However, qualified rental properties may be eligible for assistance under SBA's business physical disaster loan program.
• These loans cover disaster losses not fully covered by insurance or other sources. Proceeds from insurance coverage on home or property may be deducted from the eligible loan amount.

STATE DEPARTMENT OF VETERANS AFFAIRS HOME OWNERSHIP RESOURCES

The National Association of State Directors of Veterans Affairs (NASDVA) offers direct links to state and territory websites, as well as access to federal resources. Additionally, the United States Army provides a detailed overview of benefits for eligible Veterans, organized by each U.S. state or territory. These state-specific benefits include tax advantages, educational opportunities, employment assistance, health insurance, and more. Fact sheets provide comprehensive information about available benefits and eligibility requirements for both Service members and Veterans. The website features calculators for Retirement, Survivor Benefits, Deployment/Post-Deployment Income, Basic Pay, Basic Allowance for Housing (BAH), Basic Allowance for Subsistence (BAS), federal income tax, and other financial tools. Veterans from all military branches can call 1-888-721-2769 for questions or support.

States served by VISN 5 HSA 5.1 

IDAHO

• Property Tax Benefit for Disabled Veterans
• VA Home Loan - Idaho Division of Veterans Services Office of Veterans Advocacy is a full-service bureau that helps Veterans, their family members and survivors operating as an advocate to aggressively pursue federal VA home loan guaranty benefits and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.  VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.
• Joining Forces Idaho Grant Information & Application - Formerly Idaho Veteran’s Emergency Relief Grant, Idaho currently provides Emergency Assistance & Financial Relief through the Joining Forces Idaho Grant. For funds to be provided through the Joining Forces Idaho Grant, the request must be current and not ongoing, meaning the request for support will not be repeated the next month, and the veteran is actively trying to better their situation. To be approved, some of the factors taken into consideration are the efforts being made by the Veteran, ensuring they are either receiving, have actively pursued or are pursuing VA benefits, dependents, and the nature of circumstances involved. Funds are requested from an array of state grants, local grants, and local charities. While decisions are not made lightly, those providing the support make the final decision or whether to support and how much can be provided. Along with additional requirements of application and to ensure the nature of the request, you will be asked for proof of: Current Income or Employment status; Benefits; and any additional income or support. 

MONTANA

• Reduced or No Real Property Taxes for Qualified Disabled Veterans
• Montana Veterans’ Home Loan Mortgage Program - Established in 2011 by the Montana State Legislature to provide first mortgage funds to Montana residents who are serving or have served in the Montana National Guard or in the United States Armed Forces and Reserves.
• Current maximum loan amount is $538,140 (effective June 9, 2026).
  https://commerce.mt.gov/Housing/Lenders-Realtors/Veterans-Home-Loan-Program
• The Montana Veterans’ Home Loan Mortgage Program was established in 2011 by the Legislature to provide first mortgage funds to Montana residents who are serving or have served in the Montana National Guard or in the national armed forces and reserves. While funding for the program was initially provided from the principal of the Montana Coal Tax Trust Fund as authorized by 90-6-6 MCA, House Bill 924 passed by the 2025 Legislature and signed into law by Gov. Greg Gianforte moved the program from under the Coal Trust Tax Fund to a newly established Montana Housing Trust within a broader Growth and Opportunity Trust at the Montana Department of Revenue. The benefit of the program is a fixed-rate, 30-year mortgage loan at 1% lower than the Montana Board of Housing’s Regular Bond Loan program’s posted interest rate. Program funds are provided from the Montana Housing Trust; income, asset and purchase price limits do not apply, however, there is a loan limit. The loans are originated by Montana Board of Housing participating lenders, purchased and held by the Montana Board of Housing, and serviced by Montana Board of Housing.
  

OREGON

• Disabled Veteran or Surviving Spouse Property Tax Exemption
• Veterans Emergency Financial Assistance Program
• Oregon Veterans Home Loan Program - Currently, the Oregon Department of Veterans Affairs (ODVA) home loan program offers eligible veterans fixed-rate financing for a single-family residence. Property must be located within the state of Oregon; however, Veteran borrowers are not required to be an Oregon resident upon application. ODVA home loans are limited to the Fannie Mae limit, or up to 95 percent of the purchase price or appraised value of the property — whichever is the lesser. For the limited refinance transactions available, no more than 80 percent of the home’s appraised value may be borrowed from ODVA.
• Current maximum loan amount is $832,750
  https://www.oregon.gov/odva/Home-Loans/Pages/default.aspx 
  
• Since 1945, Oregon is one of only three states in the nation that offers a state home loan to veterans. This Oregon benefit is separate and distinct from the federal VA Home Loan Guaranty and has lent Oregonians approximately $10 billion of low-interest home loans to more than 340,000 veterans.

WASHINGTON

• Property Tax Relief for Veterans and Widows(ers) of Veterans
• Veterans Innovation Program (VIP)
• Veterans Downpayment Assistance Loan Program - Every year, the Washington State Housing Finance Commission’s home loans and downpayment assistance programs enable thousands of Washington families to become homeowners. Washington's Veterans Downpayment Assistane Loan Program serves military veterans in Washington state by combining with the Home Advantage or House Key Opportunity first-mortgage loan programs. Financed at 3% for up to $10,000 in downpayment assistance.
• Need to find which downpayment program is best for you? Complete the request form and a Washington State Housing Finance Commission staff member will get back to you with a recommendation about which downpayment assistance programs might meet your needs.

VA Pacific West states served by VISN 5 beyond HSA 5.1

ALASKA (HSA 5.4)

• Property Tax Exemptions for Disabled Veterans - Real property, owned and occupied as the primary residence and permanent place of abode by a qualified disabled Veteran whose disability was incurred or aggravated in the line of duty and whose disability has been rated at 50% or more by their military service or the federal VA, could be eligible for a property tax exemption.  Property tax exemptions are at the discretion of the municipality the Veteran resides in. This exemption may transfer to a spouse if the Veteran passes away and the spouse is at least 60 years old.  The amount of the exemption, how to apply for the exemption, and transfer applicability for the exemption are all set by the municipality. If you have questions about this benefit, contact the tax assessor's office in your municipality.
• Alaska Veterans Home Loan - The Alaska Housing Finance Corporation (AHFC) administers the Veterans Mortgage program which offers financing for qualified veterans at lower interest rates. To apply for a loan under this program, contact an AHFC approved lender. AHFC also offers a Veterans Interest Rate Preference, in which a Veteran receives a one percent lower interest rate on the first $50,000 of a bank loan with purchasing a new home. Ask the bank handling the financing to implement this program for you.

ARIZONA (HSA 5.3)

• Arizona Property Tax Exemptions for Disabled Veterans and Surviving Spouses: The property of a resident disabled Veteran who has a service- or non-service-connected total and permanent disability rating from the VA are eligible for a complete property tax exemption. Veterans who do not have a 100% total and permanent disability rating are eligible for an exemption up to $4,748 of the assessed value of their property. To determine the amount of exemption, multiply $4,748 by the Veteran’s VA disability percentage. The total assessed value of property must not exceed $36,454.
• Military Family Relief Fund - The Arizona Military Family Relief Fund (MFRF) was created to provide financial assistance to active duty service members, Veterans, and their families for unforeseen financial hardships caused by the service member’s military service.
• Arizona Veterans' Donation Fund (VDF) - Established in 1999 by the Arizona legislature (A.R.S. § 41-608), funds programs that benefit Veterans and their families throughout Arizona. Arizona State law specifies that tax-deductible donations to, and monies held in, this account can never revert to the State General Fund. The VDF consists of monies, gifts and contributions donated to the department and donations made through the purchase of Veteran, Women Veteran, and Freedom Special License Plates. The assets held in the account can only be used to benefit Veterans in the State of Arizona through small grants and large grants, each with their own documented application process.

CALIFORNIA (HSA 5.2, 5.3)

• California has two separate property tax exemptions:
• Disabled Veterans' Exemption reduces the property tax liability on the principal place of residence of qualified veterans who, due to a service-connected injury or disease, have been rated 100% disabled or are being compensated at the 100% rate due to unemployability. An unmarried surviving spouse of a qualified veteran may also claim the exemption.
• Veterans' Exemption may be claimed by a person currently serving in the military service or one who has been honorably discharged, the unmarried surviving spouse or either parent of a deceased veteran meeting the service requirements. In order to qualify for this exemption, the claimant may not own property, real or personal, worth more in aggregate than $5,000 if the claimant is single. If married, the couple may not own property worth more than $10,000. In addition, the claimant must have lived in California on the lien date, January 1.
• CalVet Home Loan offers a variety of services to veterans, from residency in one of our State Veterans Homes to assistance purchasing a home through our Home Loan Program. 

HAWAII (HSA 5.5)

• Exemption—Homes of totally disabled veterans - If you are a totally disabled veteran due to injuries sustained while on active duty with the U.S. Armed Forces, your home may be eligible for an exemption from real property taxes, except for the minimum tax. For this special exemption, veterans must file a claim on form E-8-10.5. The exemption shall take effect beginning with the next tax payment date, provided that the claimant shall have filed with the department a claim for a disability exemption along with a copy of a physician's certificate of disability on such form as the department shall prescribe on or before June 30 for the first payment or December 31 for the second payment. The exemption will remain in effect as long as the veteran claiming the exemption remains totally disabled or the widow or widower of the totally disabled veteran remains unmarried.

NEVADA (HSA 5.2)

• Disabled Veterans Exemption - The first $2,000 of assessed property valuation, adjusted for each fiscal year by adding to the amount the product of the amount multiplied by the percentage increase in the Consumer Price Index (All Items) from July 2003 to the July preceding the fiscal year for which the adjustment is calculated.
• Nevada Transition Assistance Program (NVTAP) - NVTAP is offered through the Nevada Department of Veterans Services (NDVS), helps service members, veterans, and their families successfully transition to civilian life.

NEW MEXICO (HSA 5.3)

• Disabled Veteran Property Tax Exemption - The property of a disabled veteran, including joint or community property of the veteran and the veteran’s spouse, may be exempt from property taxation if it is occupied by the disabled veteran as the veteran’s principal place of residence. For purposes here, a disabled veteran is a veteran who has been determined by federal law to have a service-connected disability. Certain discharges may render a veteran ineligible for this benefit.
• Standard Veteran Property Tax Exemption - Up to $10,000 of the taxable value of property, including the community or joint property of husband and wife, subject to the tax is exempt from the imposition of the tax if the property is owned by a veteran or the veteran’s unmarried surviving spouse if the veteran or surviving spouse is a New Mexico resident. Certain discharges may render a veteran ineligible for this benefit.
• Business Tax Credit for Hiring Recently Returned Veterans - Any business in the state of New Mexico can qualify for up to a $1,000 business tax credit for each hire of a recently-returned veteran. Please contact the New Mexico Taxation and Revenue Department for additional information at (505) 827-0700 or http://www.tax.newmexico.gov.
• New Mexico Veterans and Families Foundation Emergency Financial Assistance - Help with rent, utilities, food security, and essential needs during times of crisis. The purpose of the Veterans Assistance Fund program is to assist eligible New Mexico veterans with basic living needs (bills such as utilities, rent/mortgage, insurance, transportation costs, etc.).

VA Regional Offices

The Veterans Benefits Administration (VBA) helps service members transition out of military service, and assists with Veterans with education, home loans, life insurance and much more. Service members, Veterans, their families, and Survivors are invited to request information on VA Benefits including disability compensation, pension, fiduciary, education, Veteran Readiness and Employment (VR&E), Home Loans, and Insurance. In addition to information on VA Benefits Veterans may initiate an intent to file and request assistance with filing compensation and pension claims. Visit regional office websites to learn about the services the regional office provides, directions to the facility, hours of operation, and the leadership team that serves the regional office.

Find out if you can get VA health care as a Veteran

The following resources provide detailed information about VA health care: www.va.gov/health-care/ and toll-free at 877-222-VETS (877-222-8387), Monday through Friday between 8 a.m. and 8 p.m. ET., or 1-800-MyVA411 (800-698-2411), option 2.

Basic Eligibility: A person who served in the active military, naval, space or air service, and who was discharged or released under conditions other than dishonorable, including qualifying Reserve and National Guard members, may qualify for VA health care benefits.

Minimum Duty Requirements: Veterans who enlisted after September 7, 1980, or who entered active duty after October 16, 1981, must have served 24-continuous months or the full period for which they were called to active duty to be eligible. This minimum duty requirement may not apply to Veterans discharged for hardship, early out or a disability incurred or aggravated in the line of duty, or those accessing care under certain special treatment authorities, such as treatment related to military sexual trauma (MST).

Returning Service members: Veterans who served in a theater of operations after November 11, 2001, are eligible for an extended period of eligibility for health care for ten years after their discharge. In the case of multiple call-ups, the ten-year enrollment period begins on the most recent discharge date. This special eligibility includes cost-free health care services and nursing home care for conditions possibly related to military service and enrollment in priority group 6 or higher for ten years from their date of discharge or release from active duty, unless they are eligible for enrollment in a higher priority group.

The following four categories of Veterans are not required to enroll but are urged to do so to permit better planning of health resources:

1. Veterans with a service-connected disability rated at 50% or more.
2. Veterans seeking care for a disability the military determined was incurred or aggravated in the line of duty, but which VA has not yet rated, within 12 months of discharge.
3. Veterans seeking care for a service-connected disability only, or under a special treatment authority.
4. Veterans seeking registry examinations (ionizing radiation, Agent Orange, Gulf War/Operation Enduring Freedom/Operation Iraqi Freedom/Operation New Dawn (OEF/OIF/OND) depleted uranium, airborne hazards, and Open Burn Pit Registry). Use the chart below to help determine your eligibility.

Find out how to apply for VA health care benefits as a Veteran or service member. For other mental health services, contact a VA medical center for information on eligibility and treatment options.

The seal of the Department of Veterans Affairs authenticates the 2025 edition of Federal Benefits for Veterans, Dependents Survivors and Caregivers as the official summary of benefits that have been separately promulgated under Federal regulations established under Register Act. Under the provisions of 38 Code of Federal Regulations 1.9(f), it is prohibited to use the official seal, replicas, reproductions, or embossed seals of the Department of Veterans Affairs on any republication of this material without the express, written permission of the Secretary or Deputy Secretary of Veterans Affairs. Any person using official seals and logos of the Department of Veterans Affairs in a manner inconsistent with the provisions of 38 Code of Federal Regulations 1.9 may be subject to the penalties specified in 18 United States Code 506, 701, or 1017 as applicable.

Community Care (Mission Act)

The MISSION Act became law in 2018, bringing the VA’s previous Veterans Choice Program to an end and establishing the Community Care Program. VA provides health care for Veterans from providers in your local community outside of VA. Veterans may be eligible to receive care from a community provider when VA cannot provide the care needed. This care is provided on behalf of and paid for by VA. Community care is also available to Veterans based on certain conditions and eligibility requirements, and in consideration of a Veteran’s specific needs and circumstances. VA offers urgent care services to eligible Veterans at in-network urgent care clinics to treat minor injuries and illnesses that are not life-threatening, such as colds, strep throat, sprained muscles, and skin and ear infections. Community care must be first authorized by VA before a Veteran can receive care from a community provider. Veterans, their representatives, and in-network community providers should report instances of a Veteran presenting to a community emergency room to VA within 72 hours of the start of emergent care. Out-of-network providers are encouraged to notify VA as soon as possible. PHONE: 844-724-7842 (844-72HRVHA) IMPORTANT: Failure to notify VA of care rendered through an in-network community facility in a timely manner prevents VA from authorizing the emergency care, and prevents claims and payments from being made through one of VA’s third-party administrators.

Region 1: Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, West Virginia

Region 2: Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, Wisconsin

Region 3: Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Oklahoma, Puerto Rico, South Carolina, Tennessee, Virgin Islands (U.S.)

Region 4: American Samoa, Arizona, California, Colorado, Guam, Hawaii, Idaho, Montana, New Mexico, Nevada, Northern Mariana, Islands, Oregon, Texas, Utah, Washington, Wyoming

Region 5: Alaska

VA Vet Centers

Vet Centers are community-based counseling centers that provide a wide range of social and psychological services, including professional readjustment counseling to eligible Veterans, active-duty Army, Navy, Marine Corp, Air Force, Space Force, and Coast Guard service members, including National Guard and Reserve components, and their families. 1-877-927-8387 is an around the clock confidential call center where combat Veterans and their families can call to talk about their military experience or any other issue they are facing in their readjustment to civilian life. The staff is comprised of combat Veterans from several eras as well as families members of combat Veterans. This benefit is prepaid through the Veteran’s military service.

Plan your trip to VA

In 1946, Veterans Canteen Service (VCS) was established by law to provide comfort and well-being to America’s Veterans. With our many retail stores, cafés and coffee shops across the country, we serve those who have served our country. VCS is proud to offer Veterans enrolled in VA healthcare, their families and VA employees exclusive shopping benefits online through Patriot Store Direct. Product categories range from Military Caps and apparel, Outdoors, Electronics, Automotive tires (Goodyear, Bridgestone, Firestone, and Fuzion), Tickets and Travel, Vision (Glasses and Contact Lenses), Home and Kitchen, Floral, Toys, Gifts, Watches, and more. We are honored to give back to the VA community through many programs established for the health and well-being of our nation’s heroes. Revenues generated from VCS are used to support a variety of programs, such as VA’s Rehabilitation Games, Fisher Houses, Poly-Trauma Centers for OEF/OIF/OND Veterans, disaster relief efforts, Substance Abuse Cessation, VA’s Homelessness initiatives, Women Veterans, Veteran Suicide Prevention and other activities.

Hospital Service Directory

To find out whether there is a van near you, use the Disabled American Veterans (DAV) Hospital Service Coordinator Directory to contact your nearest HSC. The vans are driven by volunteers, and the rides coordinated by more than 133 Hospital Service Coordinators around the country. Our nation’s heroes travel around the globe to protect our freedoms—it’s only right that we return their dedication. Volunteering to drive a Vet ensures that even those living remotely from VA hospitals can make their appointments and never go without the treatment they need. Please remember that the DAV Transportation Network is staffed by volunteers; therefore, it is unable to cover every community. Learn more about the DAV transportation network through the NewsFlash Resources section.

Since the program’s inception in 1987, DAV departments and chapters have donated 4,183 vehicles and Ford Motor Co. has donated 274 vehicles at a cost of more than $104 million. Ford’s support for DAV spans nearly 100 years. The relationship began when Henry Ford provided Model Ts so DAV members could attend their annual convention. Today, Ford continues to provide funding and vehicle donations to help transport veterans to their medical appointments.

Use of these Materials and Finding VA Health Care

Please note that the health care information provided in these materials is for educational purposes only. It does not replace the role of a medical practitioner for advice on care and treatment. If you are looking for professional medical care, find your local VA healthcare center by using the VA Facilities Locator & Directory. This page may contain links that will take you outside of the Department of Veterans Affairs website. VA does not endorse and is not responsible for the content of the linked websites.

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