# VetPulse VA Home Loan Guide

> VetPulse VA Home Loan Guide is a paid API for AI agents from vetpulse-five.vercel.app, paid per call via x402, $0.08/call, status unknown (last checked 2026-09-15).

Returns a comprehensive VA home loan guide covering no-down-payment benefits, funding-fee exemptions for disabled veterans, and a comparison against conventional loans.

## Facts

- Endpoint: GET https://vetpulse-five.vercel.app/api/vet/home-loan
- Price: $0.08/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/vetpulse-va-home-loan-guide-e562984e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_bG38kPe2gZg9pwHguH72e

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability vetpulse-va-home-loan-guide-e562984e
```

Example prompt: 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?

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

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.

## Output

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.

## Request schema (JSON Schema)

```json
{
 "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)"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {}
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/vetpulse-va-home-loan-guide-e562984e/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from vetpulse-five.vercel.app](https://www.zero.xyz/host/vetpulse-five.vercel.app/llms.txt)