🎖 VA Benefit

VA Home Loans

Zero down payment, no PMI, and competitive rates — exclusively for veterans, active-duty service members, and surviving spouses. You've earned this.

Apply Now → Common Questions
Down Payment0%
Min Credit580+
Max LTV100%
PMINone
Zero down + no PMI = lowest monthly payment available.
Requirements

Who Qualifies

VA loans are guaranteed by the U.S. Department of Veterans Affairs, allowing eligible borrowers to purchase or refinance a home with no down payment and no private mortgage insurance.

✓
Eligibility: Veterans, active-duty, National Guard/Reserves (6+ years), surviving spouses
✓
COE Required: Certificate of Eligibility from the VA (we can obtain this for you)
✓
Down Payment: 0% — no down payment required for full entitlement
✓
Credit Score: 580+ (lender overlay — VA has no official minimum)
✓
DTI Ratio: Up to 60% with residual income analysis
✓
Occupancy: Primary residence only; must intend to occupy within 60 days

Key Benefits

🏠
Zero Down Payment
100% financing with no down payment required for eligible veterans.
🚫
No PMI — Ever
VA loans never require private mortgage insurance, saving you $100–$300/month.
📉
Competitive Rates
VA loans typically offer rates 0.25–0.5% below conventional — often the lowest available.
🔄
VA IRRRL Streamline Refi
Fastest refinance path available — minimal paperwork, no appraisal required.
FAQ

Common Questions

Do I really pay $0 down with a VA loan?

Yes — eligible veterans, active duty, and surviving spouses can purchase with zero down payment and no PMI. It's one of the most powerful benefits available.

Is there a VA funding fee?

Yes, but it varies by usage and down payment (typically 1.25%–3.3%). It can be rolled into the loan. Veterans with service-connected disabilities are often exempt — ask us to check your eligibility.

Can I use a VA loan more than once?

Absolutely. VA entitlement can be reused after you sell or pay off a previous VA loan. In some cases, you can even have two VA loans active at once.

What's the VA loan limit?

VA loans no longer have a set limit for borrowers with full entitlement — you can borrow what you qualify for. Limits only apply if you have reduced entitlement.

How long does VA loan approval take?

Similar to other loans — usually 21–30 days with a complete file. Getting your Certificate of Eligibility (COE) is the first step and we handle that for you.

Use Your VA Benefit Today

Thank you for your service. Pre-approval in 24 hours — no credit pull required.

Apply for VA Loan →