VA Loans
A powerful zero-down benefit earned through your service — with no private mortgage insurance required.
Down Payment
0%
Credit Score Min
580+
Loan Limits
No limit*
Best For
Veterans, active duty, eligible spouses
*No loan limit for borrowers with full VA entitlement. Lender overlays may apply.
A powerful benefit earned through your service
A VA loan is a mortgage benefit available to eligible veterans, active-duty service members, National Guard and Reserve members, and surviving spouses. It's backed by the U.S. Department of Veterans Affairs, which guarantees a portion of the loan — allowing lenders to offer exceptional terms that simply aren't available on the civilian market.
The most significant advantages: zero down payment required and no private mortgage insurance (PMI). Together, these two features can save a borrower thousands of dollars upfront and hundreds of dollars per month compared to conventional financing. VA loans also typically carry competitive interest rates and have limits on the closing costs lenders can charge.
There is a VA funding fee — a one-time charge that helps sustain the program — but it can be financed into the loan, and disabled veterans are typically exempt. For most eligible borrowers, the VA loan is the single most powerful home financing benefit available. If you've served, you've earned this.
VA Loan at a glance
- No down payment required in most cases
- No private mortgage insurance (PMI)
- Competitive rates — often the lowest available
- Available to veterans, active duty, and qualifying spouses
- VA funding fee applies (can be financed)
VA Home Loans Breakdown
Who is it best for?
If you or your spouse has served in the military, the VA loan should be the first option you consider — not the last. The benefits are substantial and the program exists specifically to reward your service.
Veterans with honorable or general discharge
Qualifying veterans can use this benefit to purchase with zero down and no PMI.
Active-duty service members
90+ days of qualifying service typically makes you eligible while still serving.
National Guard and Reserve members
Members with qualifying service length are eligible for the full VA loan benefit.
Surviving spouses
Unremarried spouses of veterans who died in service or from a service-connected disability.
Zero down payment buyers
Anyone who wants to purchase a home without putting money down — this is the program for you.
PMI avoiders
Buyers who want to skip monthly private mortgage insurance payments entirely.
Key Benefits
Zero Down Payment
Purchase a home with no down payment required. One of only two zero-down programs available (USDA being the other).
No PMI
Unlike conventional and FHA loans, VA loans require no private mortgage insurance — saving you hundreds per month.
Competitive Rates
VA-backed loans consistently offer some of the lowest interest rates available due to the government guarantee.
Limited Closing Costs
The VA limits what lenders can charge in closing costs, and sellers can pay all VA-allowable closing costs on your behalf.
Requirements
Common questions
Comparing your options?
Here are loan products that some eligible veterans also consider.
Let's put your VA benefit to work.
Zero down, no PMI, competitive rates. Apply online and we'll confirm your eligibility, pull your COE, and get you pre-approved fast. We average a 15-day clear-to-close.
NMLS #1898199 · Austin Williams NMLS #885656 · Equal Housing Opportunity