VA Home Loans
$0 Down Payment. No PMI. Ever.
Thank you for your service. VA loans offer the best mortgage terms available anywhere — no down payment, no monthly mortgage insurance, and competitive below-market rates.
VA Loan Benefits
VA loans are the single best mortgage product available in America. Here's why.
No Down Payment
Buy a home with $0 down. No other loan program offers 100% financing on primary residences.
No PMI — Ever
Save $100-$300+/month compared to FHA or conventional loans with less than 20% down.
Below-Market Rates
VA rates are typically 0.25-0.50% lower than conventional rates, saving thousands over the life of your loan.
No Loan Limit*
With full VA entitlement, there is no VA loan limit. Buy the home you want.
Lenient Credit
No minimum credit score set by the VA. Most lenders require 580-620, far below conventional standards.
Reusable Benefit
Your VA loan benefit can be used multiple times. Move and use it again, or have two VA loans at once.
Who Is Eligible for a VA Loan?
Eligible Service Members
- Active-duty military (90+ days served)
- Veterans (90+ days wartime or 181+ days peacetime)
- National Guard members (6+ years or 90+ days active)
- Reserve members (6+ years or 90+ days active)
- Surviving spouses of veterans who died in service or from service-related disability
How to Get Started
- Get your Certificate of Eligibility (COE) — We can pull this for you instantly in most cases.
- Fill out our 60-second application — Basic info about your income, employment, and the home you want.
- AI matches you to the best rate — We compare 50+ lenders to find your optimal terms.
- Get pre-qualified immediately — Receive your pre-qualification letter to start shopping.
- Close on your new home — Our team handles everything from contract to closing.
VA Loan vs. Other Mortgage Types
*VA funding fee waived for veterans with service-connected disabilities. No loan limit with full entitlement.
Complete Guide to VA Home Loans
VA home loans are a powerful benefit earned by military service members, veterans, and eligible surviving spouses. Guaranteed by the U.S. Department of Veterans Affairs, these loans offer unmatched terms that no conventional mortgage can match.
Understanding the VA Funding Fee
VA loans charge a one-time funding fee (1.25% to 3.3% of the loan amount) instead of monthly mortgage insurance. This fee can be rolled into the loan. Veterans with service-connected disabilities are exempt from the funding fee entirely. First-time VA loan users with $0 down pay 2.15%; subsequent uses are 3.3%.
VA Loan vs. Conventional: Real Savings
On a $400,000 home, a VA loan saves you approximately $80,000 in down payment, eliminates $150-300/month in PMI, and offers a rate roughly 0.25-0.50% lower. Over 30 years, total savings can exceed $100,000 compared to a conventional loan with less than 20% down.
Can I Use My VA Loan More Than Once?
Yes. Your VA loan benefit is reusable. You can sell your current VA-financed home and use the benefit again. In some cases, you can even have two VA loans at the same time if you have remaining entitlement. There is no limit to how many times you can use your VA loan benefit.
You Served Our Country. Let Us Serve You.
Get pre-qualified for your VA loan in 60 seconds. $0 down, no PMI, best rates available. No credit impact.
Start VA Loan Application