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Regional Loan Centers


Regional Loan Centers (RLCs) are specialized offices within the U.S. Department of Veterans Affairs (VA) which handle and manage home loan benefits for eligible veterans and active military members. Their primary responsibilities include loan origination, loan servicing, and assisting veterans with the home loan process. RLCs serve as a direct point of contact for veterans, ensuring they receive the support and guidance needed to navigate the VA loan program efficiently.

Key Takeaways

  1. Regional Loan Centers (RLCs) are specialized offices within the Department of Veterans Affairs (VA) that handle various aspects of VA home loans, including eligibility, origination, and servicing.
  2. There are nine RLCs across the United States, each responsible for a specific geographic area. They provide support and guidance for both veterans and mortgage industry professionals seeking assistance with the VA loan process.
  3. RLCs are an essential resource for veterans and Active Duty servicemembers, as they offer personalized help with loan-related inquiries and ensure that eligible individuals can fully benefit from VA home loan programs.


The term “Regional Loan Centers” is important when discussing VA benefits because these centers play a crucial role in helping veterans, active service members, and their families obtain, manage, and retain homeownership.

By serving as a primary point of contact, they provide valuable assistance with VA-guaranteed home loans at a regional level.

They offer a range of services such as processing and approving loan applications, conducting eligibility assessments, as well as providing financial counseling and guidance on preventing and resolving loan defaults.

Ultimately, the importance of Regional Loan Centers lies in their commitment to ensuring a smooth and efficient home-buying process for those who have served the nation, empowering them to achieve the dream of homeownership and contributing to their overall quality of life.


The purpose of Regional Loan Centers (RLCs) is to provide assistance and guidance to veterans, service members, and their families as they navigate through the VA home loan process. As part of the U.S.

Department of Veterans Affairs, these loan centers seek to ensure that those who have served our country receive the well-deserved housing benefits they are entitled to. RLCs offer a range of services, including establishing eligibility for VA loans, helping veterans obtain favorable loan terms, providing loan servicing assistance, and working with lenders to guarantee loans.

By offering these valuable resources, Regional Loan Centers enable veterans to achieve their dreams of homeownership while also supporting the nation’s economy. In addition to their primary goal of facilitating VA home loans, Regional Loan Centers also play a crucial role in protecting veterans from predatory lending practices.

They achieve this by closely monitoring and regulating participating lenders, offering financial counseling, and providing resources to help veterans make informed decisions about their home loans. Overall, the crucial functions of RLCs are aimed at responding to the unique needs and challenges faced by veterans and their families, ensuring they receive fair treatment, and empowering them to build sustainable and healthy financial futures.

Examples of Regional Loan Centers

Regional Loan Centers (RLCs) are specialized offices that provide assistance and expertise in their respective regions for veterans who seek to use their VA Loan Benefits to purchase, refinance, or improve a home. Here are three real-world examples of RLCs in the United States:Atlanta Regional Loan Center: Serving the states of Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, and Tennessee, the Atlanta RLC is located at 1700 Clairmont Road, Decatur, GA

This RLC assists veterans with their home loan benefits by providing services such as loan processing, appraisals, construction and valuation, and other support for veterans and lenders.Cleveland Regional Loan Center: The Cleveland RLC operates in areas that include Indiana, Kentucky, Michigan, Ohio, and Pennsylvania. It is located at 1240 East 9th Street, Cleveland, OH

This RLC offers similar services to those of the Atlanta RLC, with the primary goal of enabling veterans to access their home loan benefits effectively.Denver Regional Loan Center: Covering Alaska, Colorado, Idaho, Montana, Oregon, Utah, Washington, and Wyoming, the Denver RLC is located at P.O. Box 25126, Denver, CO

As with the previous examples, this center specializes in helping veterans and lenders navigate the VA Loan Benefits process in their respective regions.

FAQ – Regional Loan Centers

What is a Regional Loan Center?

A Regional Loan Center (RLC) is a branch of the U.S. Department of Veterans Affairs that specializes in administering and overseeing VA Home Loan Guaranty benefits for eligible service members, veterans, and their families. They provide assistance and guidance regarding VA loans and related programs.

How many Regional Loan Centers are there?

There are nine Regional Loan Centers located across the United States. Each RLC serves a designated geographical area and provides support to veterans, service members, and their families within that region.

How do I find the nearest Regional Loan Center?

To find your nearest Regional Loan Center, visit the U.S. Department of Veterans Affairs website and search for the RLCs page. There, you will find contact information, addresses, and the areas served by each RLC.

What services do Regional Loan Centers provide?

Regional Loan Centers offer various services, including assistance with VA home loan applications, loan servicing, foreclosure prevention, and loan refinancing options. They also help with eligibility and entitlement questions, and provide information on various resources and programs available to veterans with regard to home loans.

Can I apply for a VA home loan directly at a Regional Loan Center?

No, you cannot apply directly for a VA home loan at a Regional Loan Center. Instead, you should work with a VA-approved lender who will process your loan application and obtain a Certificate of Eligibility (COE) on your behalf. The RLC can help guide you through the process and answer any questions you may have about the VA home loan program.

What should I do if I have a problem with my existing VA home loan?

If you are experiencing difficulties with your existing VA home loan, contact your loan servicer in the first instance. If you are unable to resolve the issue, reach out to your nearest Regional Loan Center. They can provide guidance and possible solutions, including assistance with refinancing, payment plan options, or loan forbearance.

Related VA Benefit Terms

  • Loan Guaranty Program
  • VA Home Loan Eligibility
  • Certificate of Eligibility (COE)
  • VA Funding Fee
  • Interest Rate Reduction Refinance Loan (IRRRL)

Sources for More Information