There are many different mortgage loan programs and AAFMAA Mortgage Services will help you find the mortgage that best fits you. Every mortgage loan program has a different set of rules and requirements. If you have ever served in the military, you most likely qualify to apply for a loan program through the U.S. Department of Veterans Affairs (VA loan). A VA loan is a benefit because many programs require little to no down payment, and the fees involved are usually less than for other programs.