For those who’ve fought diligently for our country, or have served a predetermined amount of time with our military, the government gives back by providing Department of Veterans Affairs mortgages, or VA loans. Not only do these loans offer 103% LTV, veterans can also receive the coveted $6,000 energy improvements kicker. These loans were an offshoot of 1944’s Servicemen's Readjustment Act which allowed servicemen to receive specific benefits for serving during wartime, or peacetime provided they served and were amicably discharged. These loans are originated through qualified lenders, meaning certain restrictions on credit may apply. Not many veterans are turned down with this financing option.