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VA loan

Zero down, no monthly mortgage insurance, earned.

If you served, the VA loan is usually the lowest-cost path open to you. No down payment, no monthly mortgage insurance, and competitive rates. Our founder is a Marine veteran and has run this process from both sides.

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At a glance

VA loan

Down payment0% with full entitlement
Monthly mortgage insuranceNone, ever
Minimum credit580 to 620, lender guideline
Funding feeWaived for eligible disabled veterans
Today's rateCall for today's rate
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Who has earned a VA loan

Eligibility is about service history, not income.

Veterans, active-duty service members, National Guard and Reserve members who have completed six years of service or 90 days of active duty under Title 10, and surviving spouses of service members who died in the line of duty are all typically eligible.

There is no income limit on a VA loan, and no maximum debt-to-income ratio either. Above about 41% you have to show residual income above the VA guideline for your household and region, which we check up front.

With full entitlement there is no loan limit either. The VA stopped capping loan amounts for borrowers with full entitlement, so the ceiling is what you can actually afford.

See the veterans program
What you'll need
Down paymentNone with full entitlement
Certificate of EligibilityWe help you pull it
Credit score580 to 620 typical lender floor
Debt-to-incomeNo maximum; residual income test
Mortgage insuranceNone, on any VA loan
Funding feeOne-time, can be rolled into the loan
OccupancyPrimary residence

From question to keys, in four steps

1

Confirm eligibility

We pull your Certificate of Eligibility.

2

Pre-approval

A real number you can put behind an offer.

3

VA appraisal

A VA appraiser checks value and minimum standards.

4

Closing

Sign, fund, and get the keys.

Already have a VA loan

The IRRRL is the simplest refinance there is

If you already hold a VA loan and rates have dropped, the Interest Rate Reduction Refinance Loan lets you refinance with minimal paperwork, simplified income verification, and no appraisal in most cases.

It is usually the fastest and lowest-cost way for a veteran to get a better rate.

See refinance options
A two-storey colonial home on a quiet street lined with autumn trees

Buying with a VA loan?

Zero down already. Use our in-house agents and half the buyer-agent commission comes back on top — about $6,000 on a $400,000 home at a 3% buyer-agent commission.

See Bundle & Save

VA loan questions

Do I have to be a first-time buyer to use a VA loan?
No. The VA benefit can be used more than once. As long as you have entitlement available, you can use it again on your next home.
Is there an income limit on a VA loan?
No. VA loans have no income limit, and no maximum debt-to-income ratio. Above about 41% the lender documents that your residual income clears the VA guideline. VA loans regularly close above 41%, so do not rule yourself out on that number.
What is the funding fee, and can I avoid it?
The funding fee is a one-time charge that keeps the program running without monthly mortgage insurance. It can be rolled into the loan. Veterans receiving compensation for a service-connected disability are generally exempt. Rates change, so call and we will confirm yours.
Is there a VA loan limit?
Not for a borrower with full entitlement. If you have used part of your entitlement on another property, limits can apply. We check this before you make an offer, not after.

Let's confirm your eligibility

Zero down and no monthly mortgage insurance. You earned it — let us help you use it.

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Or call (804) 593-0344