The VA Loan is widely considered the most powerful mortgage option on the market today. Backed by the Department of Veterans Affairs, it is designed specifically to help active-duty military, veterans, and eligible surviving spouses achieve the dream of homeownership.
Unmatched VA Loan Benefits
No Down Payment
Unlike conventional or FHA loans, you are not required to put any money down to purchase a home. You can finance up to 100% of the home’s value.
No Private Mortgage Insurance (PMI)
Even with zero down payment, VA loans never require monthly mortgage insurance. This saves you hundreds of dollars on your monthly payment.
Lower Interest Rates
Because the loan is backed by the government, VA loans consistently offer some of the lowest average fixed interest rates in the market.
Who is Eligible for a VA Loan?
To qualify for a VA loan, you must meet specific service requirements set by the Department of Veterans Affairs. If you meet any of the criteria on the right, you likely qualify for this powerful benefit.
*We can help you pull your Certificate of Eligibility (COE) directly from the VA portal in minutes.
Important Note on the VA Funding Fee: While VA loans do not have monthly PMI, they do have a one-time “Funding Fee” (usually between 1.25% to 3.3%) which can be rolled directly into your total loan amount. Veterans receiving VA disability compensation are completely exempt from this fee.
Ready to use your VA Benefits?
Our VA mortgage specialists can pull your COE instantly and show you exactly how much home you can afford with zero down.