What do you mean? A VA loan "works" about the same as any other type of loan. You apply for it, a lender underwrites it and approves it, and you get money for a house, and then you pay it back with interest. Except with VA you have to be eligible (served in the military). VA loans typically let you put ZERO down, whereas an FHA loan requires 3.5% down minimum. If you're thinking of buying, your first step should be to sit down with a lender who can review all of your financial info, and help determine the best loan program for you.