Home Loans
VA Loans
Zero down, no PMI. An exclusive benefit earned through service.
Overview
What Is a VA Loan?
VA loans are guaranteed by the U.S. Department of Veterans Affairs and offer unmatched benefits for those who have served. With zero down payment, no private mortgage insurance, and competitive rates, VA loans are one of the most powerful homeownership tools available to veterans, active-duty service members, and eligible surviving spouses.
Key Benefits
Why Choose This Program?
- ✓ Zero down payment required
- ✓ No private mortgage insurance (PMI)
- ✓ Competitive interest rates
- ✓ Flexible credit requirements
- ✓ Limit on closing costs
Requirements
What You’ll Need
- ✓ Certificate of Eligibility (COE)
- ✓ Minimum service requirements met
- ✓ Stable income and employment
- ✓ Property must be primary residence
Who Should Choose This Loan?
Is the VA Right for You?
- ✓ Active-duty service members
- ✓ Veterans with honorable discharge
- ✓ Eligible surviving spouses
- ✓ National Guard and Reserve members with 6+ years
Frequently Asked Questions
VA FAQ
Do VA loans require a down payment?
No. VA loans offer 100% financing with zero down payment required, making them one of the best loan options available.
What is the VA funding fee?
The VA funding fee ranges from 1.25% to 3.3% of the loan amount. It can be rolled into the loan. Disabled veterans are exempt.
Can I use a VA loan more than once?
Yes, VA loan entitlement can be restored and reused. You can even have two VA loans simultaneously under certain conditions.
Are VA loans only for first-time buyers?
No. You can use your VA benefit for every qualifying purchase. There is no limit on how many times you use it.
Not sure if the VA is right for you? Compare all loan programs →
Ready for a VA Loan?
Get a personalized rate quote and see how much you qualify for.