VA Loan
0% Down for Eligible
Veterans
VA loans are backed by the U.S. Department of Veterans Affairs, which means eligible veterans, active-duty service members, and some surviving spouses can buy with no down payment and no monthly mortgage insurance.
What Is a VA Loan?
A VA loan is a mortgage program backed by the U.S. Department of Veterans Affairs. It’s designed to help eligible service members, veterans, and some surviving spouses buy a primary residence with powerful benefits—often including 0% down and no monthly mortgage insurance.
Your eligibility is confirmed with a Certificate of Eligibility (COE). From there, we help you compare lenders, pricing, and options to find the best fit.
As a mortgage broker, we shop across multiple lenders so you’re not stuck with just one option.
Get My Free VA Quote →Why VA Loans Are One of the Best Programs Available
If you’re eligible, VA is often the most affordable way to buy a home—especially compared to FHA and conventional.
0% Down
Many VA borrowers can buy with no down payment, keeping cash in your pocket for moving, reserves, or upgrades.
No Monthly Mortgage Insurance
No monthly MI like FHA MIP or conventional PMI—often a big monthly savings.
Competitive Rates
VA loans commonly offer strong pricing because the program is government-backed.
Limited Closing Costs
VA limits certain fees veterans can be charged—helpful for keeping the deal affordable.
Flexible Guidelines
The VA has no official minimum credit score; lenders set overlays. We help match you to the right lender.
VA IRRRL Refinance
Already have a VA loan? The VA streamline refinance (IRRRL) may reduce your rate with less paperwork.
VA Loan Requirements
These are general guidelines. The fastest way to know your options is to request a quote and we’ll confirm eligibility, payment, and best lender fit.
Check My Eligibility →From COE to Keys in 4 Steps
We confirm eligibility, issue a strong pre-approval, and guide you through appraisal and underwriting.
Confirm Eligibility
We help confirm your COE (Certificate of Eligibility) and identify your best VA options.
Get Pre-Approved
We review documents and issue a pre-approval so you can shop with confidence.
VA Appraisal & Underwriting
Once under contract, we order the VA appraisal and move the file through underwriting.
Close & Move In
We coordinate closing and walk you through the final numbers so there are no surprises.
VA vs. Other Loan Programs
If you’re eligible for VA, it often beats FHA and conventional on monthly cost because there’s no monthly mortgage insurance.
| Feature | FHA Loan | Conventional | VA Loan | USDA Loan |
|---|---|---|---|---|
| Min. Down Payment | 3.5% | 3-5% | 0% | 0% |
| Monthly Mortgage Insurance | Yes (MIP) | Yes (PMI if <20% down) | ✓ None | Yes (annual fee) |
| Who Qualifies | Any borrower | Any borrower | Eligible veterans | Income/area limits |
| Occupancy | Primary only | Any | Primary only | Primary only |
| Best For | Lower credit / low down | Strong credit / more down | Eligible veterans seeking lowest monthly | 0% down buyers who qualify |
VA Loan Pros and Cons
VA is incredible when you’re eligible. Here’s the honest tradeoff.
✓ Pros
- 0% down for many eligible borrowers
- No monthly mortgage insurance
- Often competitive rates
- Limits certain fees veterans can be charged
- Flexible underwriting with residual income focus
- VA streamline refinance (IRRRL) option later
✗ Cons
- Must be eligible (COE required)
- Funding fee may apply (varies by situation)
- VA appraisal standards can be stricter on condition
- Primary residence only (no investment use)
- Lender overlays can vary (we shop for best fit)
- Some property types/conditions can cause delays
What Our Borrowers Say
We’ve helped hundreds of families get into homes. Here’s what some of them had to say.
VA Loan FAQ
Most VA questions come down to eligibility (COE), funding fee, and how 0% down works.
Get My Free VA Quote →Ready to See If You
Qualify for a VA Loan?
Get your free quote in minutes. No pressure—just clear answers on eligibility, payment, and your best next step.