{"uid":"cap_bG38kPe2gZg9pwHguH72e","slug":"vetpulse-va-home-loan-guide-e562984e","name":"VetPulse VA Home Loan Guide","description":"VA home loan guide for veteran and VA-benefits agents. Covers no-down-payment benefits, funding-fee exemption for disabled veterans, and a comparison vs conventional loans.","url":"https://vetpulse-five.vercel.app/api/vet/home-loan","method":"GET","headers":{},"bodySchema":{"type":"object","properties":{"lang":{"type":"string","description":"Response language — any language supported"},"state":{"type":"string","description":"State of purchase — for state housing assistance programs that stack with VA loan"},"country":{"type":"string","description":"Country whose home-buying assistance to assess: US, UK, Canada, Australia, New Zealand, or Germany (other countries supported on a best-effort basis). Note: the VA loan guaranty has no direct 1:1 equivalent outside the US — non-US answers describe the closest real program or state plainly that none exists. Defaults to US if omitted and cannot be inferred."},"prior_va_loan":{"type":"boolean","description":"Whether veteran has used a VA loan before — triggers entitlement restoration guidance (US only)"},"purchase_price":{"type":"number","description":"Target home purchase price in USD — used to calculate funding fee savings and PMI comparison"},"disability_rating":{"type":"string","description":"VA disability rating — any service-connected rating eliminates funding fee (saves $5k–$15k, US only)"}}},"responseSchema":{"type":"json","example":{}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.08","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.08/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_W8SIxks3Ilb2LdqLdVuI3","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.08","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns a comprehensive VA home loan guide covering no-down-payment benefits, funding-fee exemptions for disabled veterans, and a comparison against conventional loans.","exampleAgentPrompt":"Can you walk me through the VA home loan benefit — specifically whether I qualify for no down payment, and whether my 70% VA disability rating means I'm exempt from the funding fee?","exampleUseCases":null,"resultDescription":"A structured guide covering VA home loan key benefits including the no-down-payment advantage, details on funding-fee exemption eligibility for disabled veterans, and a side-by-side comparison of VA loans versus conventional loans.","failureModes":["Payment not completed — 402 response if USDC payment is not processed","Service unavailable — Vercel deployment may be temporarily down","Rate limiting — repeated rapid calls may be throttled"],"whenToPreferThis":"Use this endpoint when a veteran or VA-benefits agent needs authoritative, structured guidance on VA home loan benefits, especially when the user is asking about no-down-payment eligibility, funding-fee waivers for disability-rated veterans, or wants to understand how VA loans stack up against conventional mortgages. Prefer this over generic mortgage APIs when the user is explicitly a veteran or military member seeking VA-specific housing finance information.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:49:25.039Z","isFirstParty":false}