VA Loans
A Hard-Earned Benefit for Veterans and Active-Duty Service Members.
VA Loans
VA loans are backed by the Department of Veterans Affairs and offer some of the best terms in the market for eligible veterans, active-duty service members, and qualifying surviving spouses. Zero down, no monthly mortgage insurance, and flexible qualifying make this a powerful benefit.
Highlights
- Competitive rates, routinely lower than conventional.
- Sellers can pay up to 6% of closing costs and concessions.
- Higher allowable debt-to-income ratios.
- Down payment as low as 0%.
Best For
- Active-duty service members
- Veterans with a valid Certificate of Eligibility (COE)
- Qualifying surviving spouses
Zero down
100% financing available up to the VA county loan limit — no down payment required in most scenarios.
No monthly PMI
VA loans do not require monthly mortgage insurance, saving hundreds a month vs. FHA or low-down conventional.
Funding fee
A one-time VA funding fee applies (waived for veterans with a service-connected disability rating).
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Talk To A SpecialistOther Loan Programs
DSCR Loans
Investor Financing Qualified by Property Cash Flow — Not Personal Income.
Down Payment Assistance
Get Help With Your Down Payment and Closing Costs.
Fixed Rate Mortgages
Predictable Payments for the Life of the Loan.
FHA Loans
Flexible Qualifying for First-Time and Credit-Recovering Buyers.
HELOC
Turn Your Home Equity Into a Flexible Line of Credit.
Reverse Mortgage
Access Your Home Equity Without Monthly Mortgage Payments.
Adjustable Rate Mortgages
Lower Initial Rate — Great for Shorter Time Horizons.