VA Loans
Benefits-backed financing for service members and veterans.
VA loans are residential mortgages guaranteed by the Department of Veterans Affairs and built for eligible active-duty service members, veterans, and surviving spouses. No down payment required for qualifying borrowers.
Overview
A VA loan is a residential mortgage guaranteed by the U.S. Department of Veterans Affairs and available exclusively to eligible service members, veterans, National Guard and Reserve members, and certain surviving spouses. VA loans offer no down payment, no monthly mortgage insurance, and competitive rates — making them one of the strongest loan programs available to those who qualify.
What to know
VA loans, plainly.
No down payment required
Eligible borrowers can finance up to 100% of the purchase price with no money down. This is the single biggest financial advantage VA loans offer over other programs.
No monthly mortgage insurance
VA loans don't require PMI or FHA-style mortgage insurance premiums. Instead, a one-time VA funding fee applies — financeable into the loan — that supports the program for future veterans.
Eligibility through service
Eligibility requires sufficient time in active duty, National Guard, Reserves, or qualifying service connection. A Certificate of Eligibility (COE) confirms entitlement — I can help you obtain one if you don't already have it.
Reusable benefit
VA loan eligibility is not a one-time use. Many eligible borrowers refinance with a VA IRRRL (Interest Rate Reduction Refinance Loan) or use their entitlement to purchase additional primary residences as life changes.
Next step
See if VA fits.
Thank you for your service. Send me your situation and I'll walk you through your VA eligibility and the right path for your next home.