VA Home Loans

You served our country. Now let us serve you. Zero down payment, no PMI, and competitive rates — available to those who’ve earned it.

Check Your VA Eligibility Talk to a VA Loan Specialist
OVERVIEW

What Is a VA Loan

A VA loan is a mortgage benefit earned through military service. Backed by the U.S. Department of Veterans Affairs, VA loans are designed to help veterans, active-duty service members, and eligible surviving spouses achieve homeownership.

The VA doesn’t lend money directly — they guarantee a portion of the loan, which allows private lenders like us to offer exceptional terms: no down payment required, no private mortgage insurance (PMI), and some of the most competitive interest rates available.

If you’ve served, a VA loan is one of the most valuable benefits you’ve earned. We’re honored to help you use it.

Benefits

Why VA Loans Are the Best Deal in Mortgages

Zero Down Payment

Buy a home with nothing down. No saving for years, no draining your emergency fund. 100% financing is standard.

No PMI — Ever

Unlike conventional and FHA loans, VA loans never require private mortgage insurance, saving you hundreds per month.

Competitive Interest Rates

VA loans consistently offer lower interest rates than conventional loans, even for borrowers with imperfect credit.

Flexible Credit Requirements

The VA has no official minimum credit score. While lenders have their own standards, VA loans are more forgiving than conventional options.

Limited Closing Costs

The VA limits what lenders can charge, and sellers can pay all of your closing costs. More money stays in your pocket.

Lifetime Benefit

VA loan eligibility doesn’t expire and can be used multiple times. Sell your home, restore your entitlement, and use it again.

Eligibility

Who Qualifies for a VA Loan?

VA loan eligibility is based on your service history. You may be eligible if you meet one of the following criteria:

Eligibility Categories
Category 1: Veterans

– 90 consecutive days of active service during wartime, OR
– 181 consecutive days of active service during peacetime, OR
– 6 years in the National Guard or Reserves

– Currently serving and have completed 90 continuous days of active duty

– 6 years of service in the Selected Reserve or National Guard, OR
– 90 days of active duty (at least 30 consecutive)

– Unmarried surviving spouse of a veteran who died in service or from a service-connected disability
– Spouse of a service member missing in action or prisoner of war

Certificate of Eligibility (COE)

Getting Your Certificate of Eligibility

To use a VA loan, you’ll need a Certificate of Eligibility (COE) from the VA. This document confirms your service history and entitlement amount.
Don’t worry — we can help you obtain this in most cases within minutes through the VA’s online portal.

FHA Loan Options

Loan Types

Best For: Buying a home

VA Purchase Loan
The classic VA loan for purchasing a primary residence. Zero down payment, competitive rates, and no PMI. Use your benefit to buy your first home — or your next one.
Key Features:
– 0% down payment
– No PMI
– No loan limit for full entitlement
– Primary residence only
Learn More

Lowering your rate on an existing VA loan FHA loan

VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan (IRRRL) — also called a VA Streamline — lets you refinance your current VA loan to a lower rate with minimal paperwork. Often no appraisal or income verification required.
Key Features:
– No appraisal typically required
– Minimal documentation
– Can include closing costs in loan
– Must already have a VA loan
Learn More

Accessing your home’s equity

VA Cash-Out Refinance
Replace your current mortgage (VA or non-VA) with a VA loan and receive cash from your equity. Use funds for debt consolidation, home improvements, or other needs.
Key Features:
– Refinance up to 100% of home value
– Convert non-VA loan to VA
– No PMI on new loan
– Can consolidate debt
Learn More

Native American veterans buying on federal trust landfixer-upper

VA Native American Direct Loan (NADL)
A specialized program for eligible Native American veterans to purchase, construct, or improve homes on Federal Trust Land.
Key Features:
– Direct loan from the VA
– Low interest rates
– No down payment
– Limited to Federal Trust Land
Learn More

COMPARE

How FHA Loans Compare

Feature VA Loan Conventional FHA
Down Payment 580 (500 with 10% down) Required (life of loan**) Up to 50%
Mortgage Insurance 620+ Removable at 20% 43-45%
Min. Credit Score No minimum None Flexible
Loan Limits None (full entitlement) Conforming limits Lower limits
Funding Fee Yes (can be financed) No Upfront + annual MIP
Eligibility Veterans/military only Anyone Anyone
Property Types Primary only Primary, 2nd, investment Primary only
*Most lenders require 580-620+
For eligible borrowers, VA loans offer the best combination of low upfront costs and long-term savings. The funding fee is the main cost — but it can be financed into the loan, and some veterans are exempt entirely.

THE PROCESS

From Application to Keys

Get Your COE

Same day

We help you obtain your Certificate of Eligibility — often in minutes.

Apply Online

15-20 min

Complete your application with basic information and documents.

Underwriting

1-2 weeks

We verify your information and prepare your file for VA review.

VA Appraisal

1-2 weeks

A VA-approved appraiser confirms the home meets VA standards.

Close

1-2 weeks

Sign final documents and move into your new home.

Total Timeline: Most VA loans close in 30-45 days. The VA appraisal process can add time compared to conventional loans, but we work to keep things moving.
VA Loan FAQs

Frequently Asked Questions

Yes. VA loan eligibility is a lifetime benefit that can be used multiple times. When you sell a home and pay off the VA loan, your entitlement is restored. You can even have two VA loans at once in some circumstances.

The funding fee is a one-time charge that helps fund the VA loan program. It ranges from 1.25% to 3.3% of the loan amount, depending on your down payment and whether it’s your first VA loan. The fee can be financed into your loan. Some veterans — including those with service-connected disabilities — are exempt.

For borrowers with full entitlement (meaning no current VA loan), there is no loan limit — you can borrow as much as a lender will approve. If you have reduced entitlement, county loan limits may apply.

No. VA loans are for primary residences only. However, you can use a VA loan to buy a multi-unit property (up to 4 units) as long as you live in one of the units.

The VA doesn’t set a minimum credit score, but most lenders require 580-620. We work with borrowers across the credit spectrum and can often find solutions even with lower scores.

Yes. Unmarried surviving spouses of veterans who died in service or from a service-connected disability are eligible. Surviving spouses of POWs or MIA service members may also qualify.

We can request your COE through the VA’s online portal — often receiving it within minutes. You can also apply directly through the VA with a DD-214 (for veterans) or statement of service (for active duty).

A dishonorable discharge typically disqualifies you from VA loan eligibility. However, other discharge types (general, other than honorable) may still allow eligibility depending on circumstances. Contact the VA or a VA loan specialist to discuss your situation.

You’ve Earned This Benefit. Let’s Use It.

Check your VA loan eligibility in minutes — no commitment, no obligation. We’re honored to serve those who served.