VA Loan
No Down Payment
& No PMI
100% financing for eligible veterans, active-duty service members, and surviving spouses.
Get Pre-Qualified for a VA Loan Today
Let’s review your eligibility and show you what you qualify for.
What Is a VA Loan?
A VA loan is a government-backed mortgage guaranteed by the U.S. Department of Veterans Affairs. It is designed to help eligible military members and veterans purchase a primary residence with no down payment and no monthly mortgage insurance.
VA loans are one of the most powerful home financing programs available in the United States.
VA Loan Benefits
- Eligible borrowers may finance up to 100% of the home’s value — no down payment required.
- No Monthly Mortgage Insurance
- Competitive Interest Rates
- Minimum 620 credit score may be considered (subject to AUS approval).
- If sufficient entitlement remains, you may be able to use your VA benefit again.
VA Loan Requirements
To qualify for a VA loan, lenders typically review:
Credit profile
Often 620+ guideline
Debt-to-income ratio (DTI)
Certificate of Eligibility (COE)
Stable employment and income
Down payment
As low as 3% for first-time buyers
What Is the VA Funding Fee?
VA loans include a one-time funding fee, which helps keep the program running for future borrowers. The funding fee:
- May vary based on down payment and prior use
- Can often be financed into the loan
- May be waived for veterans with service-related disabilities
VA Loan FAQs
Common questions about VA Loans
Who Is Eligible for a VA Loan?
You may qualify if you are:
- Active-duty service member
- Veteran
- National Guard or Reserve member
- Eligible surviving spouse
Eligibility is confirmed through your Certificate of Eligibility (COE).
Do VA loans require a down payment?
No. VA loans offer 100% financing for eligible borrowers.
Can I use my VA loan benefit more than once?
Yes. If you have remaining entitlement, you may be able to use your VA benefit again.
Can I use a VA loan for an investment property?
No. VA loans are intended for primary residences only.
