VA First-Time Homebuyers
VA First-Time Homebuyer? Get Pre-Approved Fast (Often $0 Down)
No monthly PMI • Flexible VA guidelines • Clear checklist • Same-day review available. Fill out the short form and we’ll confirm eligibility, estimate payment options, and guide you step-by-step.
⏱️ Takes ~2–3 minutes
🔒 Secure & private
✅ No obligation
🎖️ Veterans-focused
$0 down (often)
No monthly PMI
Flexible credit
Clear checklist
Prefer a different page? Veterans Apply Here.
Why VA is great for first-timers
- No monthly PMI (big monthly savings)
- Low or $0 down for many buyers
- Competitive rates & flexible guidelines
- Seller concessions may help with closing costs
Eligibility basics
- Veterans / active-duty / Guard / Reserve (rules vary)
- Eligible surviving spouses may qualify
- You’ll need your COE (Certificate of Eligibility)
- Primary residence occupancy required
Common first-time concerns
- Not sure what you can afford
- Credit history isn’t perfect
- Unsure about funding fee / closing costs
- Need a simple plan & timeline
VA First-Time Homebuyer Process (Simple)
Here’s the exact flow we use so you don’t get stuck mid-process:
1
Submit the short pre-approval form
Just enough to build accurate options (no fluff).
2
We confirm your COE & plan
We help pull COE and map the best path for your scenario.
3
Get buying power + payment estimate
So you shop with confidence and avoid surprises.
4
Offer accepted → appraisal → underwriting
We manage the checklist and keep you updated.
5
Clear to close
Final numbers, signing, keys.
First-Time VA Buyer Document Checklist
Income & employment
- Most recent pay stubs
- W-2s (last 2 years) and/or tax returns if needed
- DD-214 / LES / award letters (as applicable)
Assets & housing
- Bank statements (most recent 1–2 months)
- Photo ID
- Landlord contact or proof of rent history (if needed)
Don’t worry if you don’t have everything yet — submit the form and we’ll send a clean checklist for your exact situation.
First-time buyers we’ve helped
Real guidance • clear steps • fast communication
★★★★★
“I didn’t understand the VA process at all. They made it simple and got me pre-approved fast.”
A. Nguyen • Phoenix, AZ
★★★★★
“Clear checklist, no confusion. I knew exactly what to send and when.”
M. Thompson • Fort Worth, TX
★★★★★
“We thought we needed a big down payment. VA changed everything.”
J. Rivera • Norfolk, VA
VA First-Time Homebuyer FAQs
Can I use a VA loan as a first-time homebuyer?
Yes. VA loans can be used by eligible first-time buyers and repeat buyers. The key is your eligibility/COE and meeting lender guidelines.
Do VA loans require a down payment?
Often no. Many VA purchases can be completed with $0 down, depending on entitlement, the purchase price, and lender requirements.
Is there monthly mortgage insurance (PMI)?
No monthly PMI on VA loans. A one-time VA funding fee may apply (and is often financed). Some borrowers may be exempt.
What credit score do I need?
VA does not publish a universal minimum score. Lenders use overlays. We look at your full profile (income, residual income, housing history) and guide you to the best path.
How fast can I get pre-approved?
Often the same day during business hours once we receive the key details. For fastest help, call 877-720-1160.
Disclosures:
NMLS #213875 • Program availability and terms depend on credit, income, assets, property and market conditions. Subject to underwriting approval. Not a commitment to lend. Equal Housing Lender.
Start VA Pre-Approval
2–3 minutes • secure • no obligation