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VA Loans

Zero down and no monthly mortgage insurance for veterans and service members.

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Who it's for

  • Veterans and active-duty service members
  • Eligible surviving spouses
  • National Guard and Reserve members who meet service requirements
  • Buyers who want to keep cash in reserve instead of a large down payment

Key benefits

Zero down for eligible borrowers

If you have entitlement available, you may buy with no down payment.

No monthly mortgage insurance

That can mean a more comfortable payment compared with FHA or low-down conventional loans.

Competitive terms

I'll compare VA with your other options so you can see the real monthly difference.

Typical requirements

  • A Certificate of Eligibility (I'll help you get this)
  • Occupancy as your primary home in most cases
  • Credit, income and residual-income guidelines for VA
  • The property must meet VA minimum property requirements
  • Exact terms vary. Let's review your situation.

Questions about VA Loans

Do I need a down payment with VA?

Eligible borrowers with available entitlement often put $0 down. I'll confirm your entitlement before you shop.

Is there a funding fee?

Most VA loans include a funding fee. Some disabled veterans are exempt. I'll show you whether it applies and how it can be handled.

Can I use VA more than once?

Often yes, depending on remaining entitlement. Bring any prior VA loan details and we'll map it out.

Related programs

FHA Loans

Buy with as little as 3.5% down and flexible credit guidelines.

Learn more →

Conventional Loans

Competitive rates and as little as 3% down for qualified buyers.

Learn more →

Ready to see what you qualify for?

Book a free 15-minute call. No pressure, no obligation.

Book My Free CallCall or Text 407-575-4428