Zero down. No PMI. No loan limit. The most powerful home loan benefit available, and you have earned every bit of it.
The VA loan program offers better terms than any other loan type on the market. We specialize in helping veterans and active-duty service members maximize this benefit when buying or refinancing a home.
A VA loan is a mortgage benefit available to eligible veterans, active-duty service members, and surviving spouses. Backed by the U.S. Department of Veterans Affairs, VA loans offer the most favorable terms of any loan program available, including zero down payment and no private mortgage insurance.
We have helped many veterans use this earned benefit to buy, build, or refinance a home, and he understands the nuances of VA underwriting that general loan officers often miss.
Through our hybrid platform, we shop multiple VA-approved lenders to find the most competitive rate for your situation, not just what one institution offers.
VA loan eligibility is tied to your service history. Here is a general overview.
Active duty service members are eligible after 90 consecutive days of active service during wartime, or 181 days during peacetime.
Veterans who served the minimum required period and were discharged under conditions other than dishonorable qualify for VA benefits.
Members of the National Guard or Reserves who have served 6 years qualify, as do those called to active duty under federal orders for 90 or more days.
Un-remarried surviving spouses of veterans who died in service or from a service-connected disability may qualify for VA loan benefits.
The VA does not set a minimum credit score. We work with lenders whose overlays start as low as 580, making VA accessible even after credit challenges.
You will need a Certificate of Eligibility (COE) to use your VA benefit. We can pull this for you as part of the pre-approval process at no cost.
The VA loan benefit is one of the most valuable financial tools available to eligible veterans. Here is why.
Buy a home without touching your savings. Preserve your cash for moving costs, renovations, or investments instead of tying it up in a down payment.
Conventional and FHA loans charge monthly mortgage insurance when you put less than 20% down. VA loans have no PMI, saving you hundreds per month for the life of your loan.
VA rates are typically 0.25% to 0.5% lower than conventional rates for the same borrower profile. On a $500,000 loan that is tens of thousands in interest savings over 30 years.
Your VA entitlement can be used more than once. If you sell your home and pay off the loan, your full entitlement is restored and you can use the VA benefit again.
Veterans with a service-connected disability rating of 10% or more are exempt from the VA funding fee entirely, saving thousands at closing.
VA underwriting is more flexible than conventional loans on credit history, debt-to-income ratio, and residual income requirements, helping more veterans get approved.
The VA funding fee helps sustain the program for future veterans. Here is how it works and who is exempt.
| Borrower Type | Down Payment | First Use | Subsequent Use |
|---|---|---|---|
| Regular Military | Less than 5% | 2.15% | 3.3% |
| Regular Military | 5% or more | 1.5% | 1.5% |
| Regular Military | 10% or more | 1.25% | 1.25% |
| Reserves / National Guard | Less than 5% | 2.3% | 3.6% |
| Veterans with 10%+ disability rating | Any | Exempt | Exempt |
| Surviving Spouses | Any | Exempt | Exempt |
The funding fee can be rolled into the loan amount so you do not need cash at closing to cover it. We will confirm your exact funding fee and whether you qualify for an exemption.
Using your VA benefit is simpler than most veterans expect. We handle the paperwork.
We pull your Certificate of Eligibility (COE) directly from the VA system. This typically takes minutes and costs you nothing.
We compare VA-approved lending partners for your best rate and issue a pre-approval, usually the same business day you submit your documents.
A VA pre-approval is respected by sellers and listing agents. We will advise on any property conditions that might trigger a VA appraisal concern before you make an offer.
We manage the VA appraisal, underwriting, and all lender communication to keep your closing on schedule.
We will pull your Certificate of Eligibility and get you pre-approved, usually the same day. No cost and no commitment required.