VA Loans

Zero down. No PMI. Flexible guidelines for eligible Veterans, Service members, and surviving spouses.

Who's Eligible

  • Active-duty, Veterans, National Guard/Reservists (service requirements apply)
  • Certain surviving spouses
  • Property used as primary residence
  • Satisfactory credit, income, and COE (Certificate of Eligibility)


VA Funding Fee

(Quick Look)

  • Required on most VA loans; helps keep the program running
  • May be waived with a service-connected disability
  • Typical first-use purchase: 2.15% of loan amount (0% down)
  • Lower with 5%+ down; higher on subsequent use
    (We’ll calculate your exact fee—or confirm a waiver—before you lock anything.)

Why Buyers Love VA

  • $0 down payment on most purchases
  • No monthly PMI (private mortgage insurance)
  • Competitive fixed rates & flexible credit
  • Seller can pay some or all closing costs
  • Reuse your benefit over your lifetime

What You'll Need

  • COE (we can help you pull this)
  • Government ID
  • Most recent 2 pay stubs + 2 years W-2s (or tax returns if self-employed)
  • Bank statements (most recent 1–2 months)

How It Works

  1. Pre-Qualify – We confirm eligibility, COE, and payment goals
  2. Shop & Sign – Make an offer; we handle appraisal and underwriting
  3. Close with Confidence – No PMI, great terms, keys in hand



*Programs and terms subject to change and credit approval. Not a commitment to lend. Equal Housing Lender