veteran-home-loan-testimonials

 877.720.1160

VA Home Loans | Benefits, Eligibility & Fast Pre-Approval
VA Loan Experts

VA Home Loans

VA loans are mortgages offered by private lenders and backed by the U.S. Department of Veterans Affairs. They’re a hard-earned benefit designed to make homeownership more affordable for eligible veterans, active-duty service members, and surviving spouses.

Why choose a VA loan?

  • $0 down for many purchases
  • No monthly PMI (big savings)
  • Competitive rates & flexible guidelines
  • Refi options incl. IRRRL (streamline)

Who’s eligible?

  • Veterans & active-duty service members
  • Certain Guard/Reserve members
  • Eligible surviving spouses
  • Valid COE (Certificate of Eligibility)

How it works

  • Entitlement allows favorable terms
  • Funding Fee may apply (often financed)
  • Primary residence & occupancy rules
  • We guide COE, appraisal, underwriting

What Is a VA Loan?

A VA loan is a mortgage provided by private lenders and partially guaranteed by the U.S. Department of Veterans Affairs. It helps eligible veterans, active-duty service members, and qualifying surviving spouses finance a home with favorable terms—often with no down payment, no monthly PMI, and flexible credit requirements. As a benefit of military service, VA loans are built to make homeownership more accessible and affordable.

Estimated VA rates & payments

Updated —
$450,000
Samples assume the loan amount shown, no points, credit 720+ for starting APRs, standard occupancy/term. Your actual rate/APR depends on your full profile and current market conditions. Not a lock or commitment to lend.
Compare broader options at Home & Mortgage Finder.

Veterans we’ve helped

“Smooth process. They explained VA steps clearly and found a payment that worked.”

J. Rivera • Norfolk, VA

“My COE and appraisal felt overwhelming. They handled it and kept me updated daily.”

M. Thompson • Fort Worth, TX

“Refinanced with an IRRRL—super easy. Payment dropped and closed fast.”

R. Collins • Jacksonville, FL

VA Loan FAQs

Do VA loans really have $0 down?
Yes, many VA purchases allow no down payment (subject to eligibility, entitlement, appraisal, and lender guidelines).
Is there mortgage insurance?
There’s no monthly PMI on VA loans. A one-time VA Funding Fee may apply, and can often be financed.
What credit score do I need?
VA doesn’t publish a universal minimum score. Lenders set overlays. We look at your whole profile (residual income, rent history, stability) and guide you to approval.
What’s IRRRL (VA Streamline)?
A simplified refinance for existing VA borrowers focused on lowering rate/payment—often with reduced documentation. Eligibility and benefits vary.
How do I get my COE?
We can pull it electronically in most cases. Or you can request it directly, then share it with us—we’ll handle the rest.

Get Pre-Approved

Prefer a shorter form? Veterans Apply Here.
Disclosures:
NMLS #213875 • Program availability, APRs and terms depend on credit, income, assets, property and market conditions. Subject to underwriting approval. Not a commitment to lend. Equal Housing Lender.