VA loans are one of the most powerful mortgage benefits available — and they’re exclusively for eligible veterans, active-duty service members, and surviving spouses. With no down payment requirement, no mortgage insurance, and competitive interest rates, a VA loan is often the single best financing option available to those who qualify.
Veterans, active-duty service members, National Guard, Reservists, surviving spouses
$0 required
None (VA funding fee applies, which can be rolled into the loan)
No official minimum — most lenders require 580–620+
No set limit for qualified borrowers with full entitlement
Primary residence only
VA loans are issued by private lenders and guaranteed by the U.S. Department of Veterans Affairs. The VA guarantee reduces the risk for lenders, which is why they’re able to offer such favorable terms — including no down payment and no monthly mortgage insurance.
To use a VA loan, you’ll need a Certificate of Eligibility (COE) from the VA, which we can typically obtain for you during the loan process. You’ll also pay a one-time VA funding fee, which varies based on your military category and whether it’s your first VA loan use. Many veterans with service-connected disabilities are exempt from the funding fee entirely.
If you’re eligible for a VA loan, there’s almost no reason not to use it. Let’s verify your eligibility and walk through how a VA loan compares to other options for your situation.
