Virginia • VA Home Loans

VA Loans Virginia for Veterans & Military Families

VA loans Virginia help eligible Veterans and active-duty service members buy or refinance with $0 down (with full entitlement), no monthly PMI, and flexible VA guidelines. All credit welcome — we focus on your full profile, not just a score.

Get Pre-Approved Schedule a Call Call (949) 601-1267 See Today’s VA Estimates

NMLS #213875 • Equal Housing Lender

Why Veterans Use VA Loans in Virginia

Virginia has one of the largest military populations in the U.S., with strong demand near major bases. VA loans make homeownership more affordable by removing monthly mortgage insurance and allowing flexible qualification.

$0 down (full entitlement)
No monthly PMI
Flexible credit guidelines — all credit welcome
Manual underwriting focus when needed (when allowed)

Helpful pages: VA loan eligibility • VA loan requirements • VA loan guide

VA Purchase Loans Virginia

VA purchase loans help Veterans buy a primary residence with competitive pricing and reduced barriers. We help you structure the file correctly (income, residual income, assets, and letters if needed) so approvals move faster.

Strong pre-approval + clear next steps
Guidance for all credit welcome scenarios
Fast communication with your agent and escrow

VA Refinance Options Virginia

VA IRRRL (Streamline Refi)

Lower your rate/payment with a simplified VA refinance. Learn more: VA IRRRL refinance.

VA Cash-Out Refinance

Access equity to pay off debt, fund renovations, or consolidate higher-interest obligations. We’ll confirm eligibility and structure the loan correctly.

Virginia Areas We Serve

Virginia Beach • Norfolk • Chesapeake • Newport News • Hampton • Portsmouth • Richmond • Arlington • Alexandria • Fairfax • Fredericksburg • Stafford • Williamsburg

External resources: VA Home Loans (official) • BAH info

Get Pre-Approved (VA Loans Virginia)

Start here. No obligation — we’ll review your file and outline the fastest path to approval.

Apply Online Call 949-601-1267 Text Us Email Robert Schedule a Call

Not ready today? We can build a short plan to qualify — even with recent credit events.

VA Loans Virginia – FAQs

With full entitlement, many VA buyers can finance 100% with $0 down (closing costs still apply). We’ll confirm your entitlement and options.

No. VA loans have no monthly PMI. A one-time VA funding fee may apply unless you’re exempt.

Yes — all credit welcome. The VA doesn’t set a minimum score. We’ll focus on residual income, housing history, and compensating factors (lender overlays may apply).

Often same day once your basic docs are in. Start online and we’ll outline the fastest path to approval.

Disclosures: Program availability and terms depend on credit, income, assets, property and market conditions. Underwriting approval required. Not a commitment to lend. Equal Housing Lender. NMLS #213875.