One of the Best Benefits
You've Earned
$0 down. No PMI. Flexible qualifying. If you've served, this benefit was built for you — let's make sure you're using it.
What Is a VA Loan?
A home loan benefit available to eligible veterans, active-duty service members, and surviving spouses — guaranteed by the U.S. Department of Veterans Affairs. It's widely considered the most powerful home loan available to those who qualify.
Is This Loan Right for You?
✔ Great fit if…
- You're a veteran, active-duty service member, or qualifying surviving spouse
- You want to buy with little or no down payment
- You want to avoid private mortgage insurance (PMI)
- You want competitive interest rates
✗ May not be the best fit if…
- You don't meet VA eligibility requirements
- You're buying an investment property (VA is primary residence only)
- The home doesn't meet VA minimum property requirements
The Numbers at a Glance
| Down payment | $0 required |
| PMI | None |
| VA funding fee | Yes — can be rolled into the loan; waived for some disabled veterans |
| Credit score | No official minimum — lenders typically look for 580–620+ |
| Property types | Primary residence only |
What People Get Wrong About VA Loans
VA entitlement can be restored and used multiple times in many situations. This is one of the most common misconceptions that keeps veterans from using a benefit they've earned.
This stigma is outdated. VA loans close reliably and on normal timelines. A good agent knows how to present your offer competitively.
Even with the funding fee, the lifetime savings from no PMI and competitive rates typically outweigh the cost significantly — often by tens of thousands of dollars over the life of the loan.