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VA Loan

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.

$0
Down payment required for eligible veterans with full entitlement
Source: VA.gov
No PMI
VA loans never require private mortgage insurance
Source: VA.gov
1.25–3.3%
VA funding fee range (can be rolled into the loan)
Source: VA.gov

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 for eligible veterans with full entitlement Source: VA.gov
PMI None — VA loans never require private mortgage insurance Source: VA.gov
VA funding fee 1.25%–3.3% of loan amount depending on down payment and usage; can be rolled into loan; waived for veterans with service-connected disability ratings Source: VA.gov
Credit score No official VA minimum — lenders typically look for 580–620+ Source: VA.gov
Colorado Springs context Home to Fort Carson, Peterson Space Force Base, Schriever SFB, and the U.S. Air Force Academy — one of the highest concentrations of military and veteran households in the country
Property types Primary residence only

What People Get Wrong About VA Loans

Myth
"I already used my VA benefit — I can't use it again."

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.

Myth
"Sellers won't accept VA loans."

This stigma is outdated. VA loans close reliably and on normal timelines. A good agent knows how to present your offer competitively.

Myth
"The funding fee makes it not worth it."

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.

Let's Make Sure You're Using Your Full Benefit

No pressure. We'll verify your eligibility and walk through exactly what your VA benefit covers.

1
We verify your eligibility and Certificate of Eligibility (COE) together
2
I walk you through exactly what your VA benefit covers in your situation
3
You move forward knowing you're using your full benefit — not leaving it on the table
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This is not a commitment to lend. All loans are subject to credit approval and underwriting guidelines. Terms, rates, and programs are subject to change. Kathie Fish NMLS #2609071 | Client Direct NMLS #1065732