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Va Benefits Home Loans Va Interest Rate If you can qualify for a home loan backed by the Department of Veterans Affairs, you’ve probably found the best mortgage available. VA loans don’t require a down payment and have lenient qualification.Oregon is one of only five states that offers a veteran home loan program. This Oregon benefit is separate and distinct from the federal VA Home Loan Guaranty and has lent approximately $8 billion in low-interest home loans to more than 334,000 veterans since 1945.