The VA home loan is one of the strongest benefits earned through military service. Eligible veterans, active duty service members and some surviving spouses can buy with no down payment and no monthly mortgage insurance. We help you get your Certificate of Eligibility and handle the rest.
Who it fits
Veterans and active duty
Veterans and active duty service members
Start your applicationGuard and Reserve
National Guard and Reserve members who meet service requirements
Ask about eligibilitySurviving spouses
Eligible surviving spouses
Talk with usVA refinance
Veterans who want to refinance with a VA streamline or cash out loan
Refinance optionsHow it works
We pull your Certificate of Eligibility, review your entitlement, and issue a pre approval. VA loans have no set maximum loan amount for borrowers with full entitlement, though lenders still qualify you on income and credit.
Most borrowers pay a one time VA funding fee that can be financed into the loan. Veterans receiving VA disability compensation are exempt from the fee.
Key facts
- Down payment
- 0% for eligible borrowers with full entitlement
- Monthly mortgage insurance
- None
- Funding fee
- One time, can be financed. Waived for veterans with a service connected disability
- Refinance options
- VA streamline (IRRRL) and VA cash out
Common questions
Can I use my VA loan more than once?
Yes. The benefit is reusable. In some cases you can even have two VA loans at the same time, depending on your remaining entitlement.
Do VA loans take longer to close?
No. With an experienced team, VA loans close on the same timeline as other loans. The VA appraisal has its own process and we order it early.
Can I buy a multi unit home with a VA loan?
Yes, up to 4 units, as long as you live in one of them.
