Do you think the VA Home Loan is a fair way to get a home?

You can probably get a better deal via a conventional loan in most cases for a new home. If you get a loan via a builder like I did in 1999 they give me a $5,000 break on the lot purchase and a $5,000 allowance for add-ons, plus their interest rate was competitive than the VA. They threw in some other extras as well. Can't tell you the pros and cons with a used home. I have only bought new homes. Also from a financial point of view you should never buy a home your going to live in with zero down payment with 100% of the loan = purchase price, it's a great way to end up underwater, mortgage worth more than the home.

when properly applied and Used...

The VA Loan is the best loan product available to anyone.

No other loan offers 100% financing, prime rates and no private mortgage insurance, this will save veterans tens to hundreds of thousands of dollars when compared to other loan products.

The VA loan also has the Interest Rate Reduction Refinance Loan (IRRRL), which is the easiest refinancing option available and it could continue to save veterans money.

BE SURE TO FIND A LOAN OFFICER AND BANK WITH EXPERIENCE DOING VA LOANS.