VA Loans
Zero-down financing for eligible active-duty service members, veterans, and surviving spouses, with no monthly mortgage insurance.
- 0% down payment for eligible borrowers
- No monthly private mortgage insurance, ever
- VA funding fee can be financed into the loan or waived for disability-rated veterans
- Competitive rates, often below conventional pricing
- Sellers can pay all of the buyer's closing costs
Ask About VA
VA loans exist because eligible service members shouldn’t have to save a down payment to buy a home. No down payment, no monthly mortgage insurance, and pricing that’s frequently better than conventional — it’s one of the strongest benefits available to eligible borrowers, and one of the most underused.
Who This Is For
- Active-duty service members, veterans, and eligible surviving spouses
- Buyers who want to avoid a down payment without paying monthly PMI
- Veterans rated for a service-connected disability (funding fee waiver)
VA FAQs
Do I need a down payment for a VA loan?
No — VA loans allow 100% financing for eligible borrowers with full entitlement.
What is the VA funding fee?
A one-time fee that varies by down payment and whether it's your first use of VA eligibility. It can be rolled into the loan balance and is waived for veterans with a qualifying service-connected disability rating.
Do I need a Certificate of Eligibility?
Yes — we can help you request your COE directly through the VA as part of the application.
Can I use a VA loan more than once?
Yes, as long as you have remaining entitlement, including buying again after a prior VA loan is paid off or sold.
Related Resources
Ready to Talk Through VA?
Tell us about your situation and we'll tell you honestly what it will take to qualify.
