VA Loans: $0 Down for Veterans and Active Military

You've earned powerful benefits: no down payment, no PMI, and competitive rates. We're honored to help you use them.

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What Is a VA Loan?

VA loans are mortgages guaranteed by the U.S. Department of Veterans Affairs, available to veterans, active-duty service members, and eligible surviving spouses.

VA loans offer some of the best terms available in mortgage lending—and you've earned them through your service.

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Key Benefits

Why VA Loans Are Unmatched

$0 Down Payment

- Buy a home with no money down up to VA loan limits. Keep your savings for moving, furniture, or emergencies.

No PMI Required

Unlike conventional loans, VA loans don't require private mortgage insurance—even with $0 down. Save hundreds per month.

Competitive Rates

VA loans typically offer lower interest rates than conventional loans, saving you thousands over the loan's life.

Flexible Credit

More forgiving of credit challenges than conventional loans. We'll work with your situation.

No Prepayment Penalty

Pay off your loan early without penalty. Save on interest and own your home faster.

Assumable

VA loans can be transferred to future buyers.

VA Loan Eligibility

Active Duty Service Members

Served 90+ consecutive days during wartime or 181+ days during peacetime

Veterans

Served the minimum active duty requirement and received an honorable discharge

National Guard & Reserves

Served at least 6 years and received honorable discharge, or currently serving

Not Sure If You Qualify?

We'll help you determine eligibility and obtain your Certificate of Eligibility (COE).

Surviving Spouses

Spouses of service members who died in line of duty or from service-connected disabilities

What You Need to Qualify

Certificate of Eligibility (COE)

- Proves your service qualifies you for VA benefits.

Credit Score

No official VA minimum, but most lenders prefer 620+. We're flexible based on your situation.

Debt-to-Income Ratio

Typically 41% or less, though exceptions can be made with compensating factors.

Occupancy

Must be your primary residence. Investment properties don't qualify for VA loans.

Property Standards

Home must meet VA Minimum Property Requirements (MPRs) for safety and livability.

VA Funding Fee

One-time fee (1.25-3.3% depending on down payment and prior use). Can be rolled into loan. Disabled veterans may be exempt.

How Much Can You Borrow?

As of 2026, there's no maximum VA loan amount for qualified borrowers. However, there are county-by-county limits that determine how much you can borrow with $0 down.

Standard Limit (2026): $832,750 in most counties
High-Cost Areas: Up to $1,299,500

Above the limit? You can still get a VA loan, you'll just need to make a down payment on the amount above the county limit.

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Understanding the VA Funding Fee

The VA funding fee helps sustain the VA loan program. It's a one-time fee based on:

Type of service (regular military vs. reserves/national guard)
Down payment amount (if any)
Whether it's your first or subsequent VA loan use

Typical Rates:

First-time use, $0 down: 2.15%
Subsequent use, $0 down: 3.3%
First-time use, 5%+ down: 1.5%
Subsequent use, 5%+ down: 1.25%

Example: $300,000 loan × 2.15% = $6,450 funding fee

Good News:

Can be rolled into your loan
Disabled veterans receiving VA compensation are exempt

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Already Have a VA Loan?
Refinance Options

VA IRRRL (Streamline Refinance)

Fast, easy refinance to lower your rate No appraisal, minimal paperwork

VA Cash-Out Refinance

Access your equity while keeping VA loan benefits No PMI even with cash out

How to Get a VA Loan

Step 1

Get Your COE

We'll help you obtain your Certificate of Eligibility, often in minutes.

Step 2

Get Pre-Approved

We'll review your finances and pre-approve you for a VA loan.

Step 3

Shop for Your Home

Find a home that meets VA property requirements.

Step 4

VA Appraisal

Required to ensure the home meets minimum standards and value.

Step 5

Close

Sign documents and move in within 30-45 days from starting the process.

VA Loan FAQs

The VA funding fee is a one-time fee (1.25-3.3% of the loan) that helps fund the VA loan program. It can be rolled into your loan. Veterans with service-connected disabilities are exempt.

Yes! Your VA loan entitlement can be reused as long as you've paid off the previous VA loan or sold that property.

No, but you must have sufficient income to afford the mortgage payment and meet debt-to-income requirements.

VA loans require homes to be move-in ready and meet minimum property requirements. Major renovations typically don't qualify.

The VA doesn't set a minimum credit score, though most lenders prefer 620+. We look at your full financial situation, not just your credit score.

Typically 30-45 days from application to closing, similar to other loan types.

Use the Benefits You've Earned

See if you qualify for an FHA loan with our simple pre-approval process.