VA Loans
Zero down for those who served.
VA loans honor the service of veterans, active-duty military, and eligible surviving spouses with one of the most powerful mortgage products available — no down payment and no monthly mortgage insurance.
VA Loans Highlights
Finance up to 100% of the home's value with no down payment required.
Skip private mortgage insurance and lower your monthly payment.
VA-backed loans often deliver some of the lowest rates available.
Use your VA entitlement multiple times throughout your life.
Best For
- Veterans and active-duty service members
- National Guard and Reserve members (with eligibility)
- Eligible surviving spouses
General Requirements
- Valid Certificate of Eligibility (COE)
- Sufficient income and acceptable credit
- Property must be primary residence
- VA funding fee (may be waived for disabled veterans)
Frequently Asked Questions
We can pull it for you electronically through the VA portal during pre-approval — no paperwork needed in most cases.
Yes — through an Interest Rate Reduction Refinance Loan (IRRRL) or a VA cash-out refinance.
Explore Other Loan Programs
Low down payment, flexible credit guidelines.
Flexible, popular financing for qualified buyers.
Financing above conforming limits, simplified.
Investor financing based on rental income, not personal income.
Self-employed financing using deposits — not tax returns.
Lower your rate, tap equity, or change terms.
Ready to explore VA Loans?
Get a personalized rate quote and pre-approval in minutes. No obligation.