VA Mortgage Loans
Zero down. No monthly mortgage insurance. A benefit earned through service.
A Loan Designed for Veterans and Active Duty Families
VA loans exist to expand homeownership access for those who served. They remove some of the biggest barriers buyers face: large down payments and mortgage insurance.
For eligible borrowers, this is one of the strongest mortgage tools available.
Whether buying or refinancing, VA financing is built for stability and long-term affordability.
What a VA Loan Includes
Backed by the U.S. Department of Veterans Affairs
No down payment required
No monthly private mortgage insurance
Competitive interest rates
Flexible credit and income guidelines
Primary residence financing
This program prioritizes access and affordability.
Who It’s For
Active-duty military
Veterans with qualifying service
Eligible surviving spouses
Military families seeking purchase or refinance options
Eligibility is service-based, not income-based.
Pros and Tradeoffs
Pros
$0 down payment
No PMI
Competitive rates
Flexible qualification
Tradeoffs
VA funding fee applies (can be financed)
Primary residence only
Eligibility documentation required
It’s powerful — but structured.
Example Scenario
Home price: $950,000
Down payment: $0
Monthly mortgage insurance: $0
Funding Fee: Could be $0 (did you know that if you are even 10% disabled as designated by the VA, your funding fee is waived?)
Closing costs: Often covered via credits or negotiation
The result is lower upfront cash and lower monthly overhead.
Pro Tip from Chris:
“VA loans aren’t a fallback option. They’re often the strongest financing available. My job is making sure you use every benefit you’ve earned.”
Funding fee exemptions exist for qualifying disability ratings and certain service classifications.
We’ll verify eligibility properly — not guess.
Can I refinance a VA loan later?
Yes. VA loans can refinance into another VA loan (IRRRL) or into conventional financing.
Can I use a VA loan more than once?
Yes. Borrowers can often restore entitlement and reuse VA benefits.
Is a down payment required for a VA loan?
No. Eligible borrowers can purchase with zero down payment.
What is the VA funding fee?
It is a one-time fee that supports the VA loan program and can usually be financed into the loan.
Can the VA funding fee be waived?
Some borrowers with qualifying disability ratings may be exempt from the funding fee.