Purchase
VA Loans
VA loans are one of the strongest benefits available with often no down payment and no monthly mortgage insurance.
Who it's best for
- Veterans and active-duty service members
- Qualifying surviving spouses
- Buyers who want to preserve cash savings
At a glance
- Down payment
- $0 for eligible buyers
- Mortgage insurance
- None
- Eligibility
- Based on service history
Eligibility Snapshot
The numbers that matter for a va loans
General guidelines. Your exact terms depend on your full profile. We confirm current figures for your scenario before you rely on any of them.
How It Works
Your va loans, step by step
- 1
Confirm eligibility
We help you obtain your Certificate of Eligibility (COE) and confirm your entitlement.
- 2
Pre-approval
We review income, credit, and residual income to issue your pre-approval.
- 3
Find your home
You shop knowing VA financing is one of the strongest offers a seller can accept.
- 4
VA appraisal
The VA orders an appraisal that also confirms the home meets its condition requirements.
- 5
Underwriting to clear-to-close
We clear conditions and confirm funding-fee treatment based on your status.
- 6
Closing
You sign and move in — often with no money down.
Be A Sharp Borrower
What to ask any lender about this loan
Good questions get you better answers, and a better loan. Bring these to any conversation, including ours.
Do I have full entitlement, and does that mean truly zero down?
Am I exempt from the VA funding fee due to a service-connected disability?
How does my residual income affect my approval?
Can I reuse my VA benefit if I have used it before?
Common Questions
VA Loans FAQs
- Do VA loans really require no down payment?
- For most eligible buyers with full entitlement, VA loans can be financed with zero down, which is a rare and valuable benefit.
- Is there mortgage insurance on a VA loan?
- No. VA loans have no monthly mortgage insurance. There is typically a one-time VA funding fee, which many disabled veterans are exempt from.
- What credit score do I need for a VA loan?
- The VA sets no minimum score, but most lenders look for roughly 620 or higher. We review your full picture, including residual income, rather than just the score.
- How do I know if I am eligible for a VA loan?
- Eligibility is based on your service history. We help you confirm it and obtain your Certificate of Eligibility (COE).
- How much is the VA funding fee?
- It is a one-time fee that varies by down payment and whether it is your first use of the benefit. Veterans with a service-connected disability are often exempt entirely.
- Can I use my VA loan benefit more than once?
- Yes. The VA benefit can be restored and reused, and in some cases you can have more than one VA loan at a time. We help you understand your remaining entitlement.
Other programs
Let’s find the loan that fits your situation.
Apply online in minutes, or call and talk it through.