VA Home Loans: Earned Benefits. Powerful Buying Power.
VA Home Loans: Earned Benefits. Powerful Buying Power.
WHAT IS A VA HOME LOAN?
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs designed to help eligible borrowers buy, build, or refinance a primary residence with favorable terms.
VA loans stand out because they’re built to reduce barriers to homeownership for those who served — and they can be one of the strongest loan options available when used correctly.
WHY VA LOANS ARE SO POWERFUL
0% Down Payment
Purchase without a traditional down payment — preserving cash.
No Mortgage Insurance
Does not require monthly PMI — reducing your payment.
Competitive Rates
Highly competitive interest rates due to government backing.
Flexible Underwriting
Evaluates the full picture, including residual income.
Refinance Options
Built specifically for VA borrowers to reduce payments easily.
WHO QUALIFIES FOR A VA HOME LOAN?
Eligibility is based on service history and qualifying status. Common eligible groups include:
- Veterans
- Active-duty service members
- National Guard / Reserve members
- Certain surviving spouses (in qualifying circumstances)
Important: Eligibility is typically confirmed through a Certificate of Eligibility (COE) — we help you understand what you need and how to get it.
WHAT YOU CAN USE A VA LOAN FOR
Buying a primary residence
Refinancing an existing home loan
In some cases, building a home
Key point: VA loans are generally intended for primary residences, not typical investment properties.
VA LOAN COSTS & FEES
VA Funding Fee (What it is)
A program fee that helps keep VA loans available. It varies based on:
- Whether it’s your first VA loan
- Down payment amount (if any)
- Service-related disability status
In many cases, the funding fee can be financed into the loan instead of paid upfront.
Closing Costs
Like most mortgages, VA loans have standard costs such as:
- Appraisal
- Title and escrow fees
- Lender/origination costs
- Recording and other required fees
HOW VA LOAN QUALIFICATION WORKS
VA underwriting typically considers:
- Credit profile (stable credit matters)
- Income and employment stability
- Debt-to-income ratio (DTI)
- Residual income (money left after obligations)
- Property appraisal and condition
- COE eligibility confirmation
STEP-BY-STEP VA HOME LOAN PROCESS
Eligibility + COE check
We verify and help with support.
Pre-approval
Estimated payment range and strength.
Offer support
Structure the offer for a clean closing.
Appraisal
Guiding process and VA standards.
Clear to close
Final verification and coordination.
Closing & beyond
Deserving support after signing.
VA APPRAISAL & PROPERTY REQUIREMENTS
VA loans typically require the property to meet minimum standards for safety, habitability, and structural soundness. That’s a feature — it helps protect the borrower.
If issues come up, often it means:
- Repairs are needed
- Documentation is needed
- Or a better approach to the transaction is required
WHO VA LOANS ARE BEST FOR
VA is a great fit if you:
- Want low upfront cost
- Value long-term payment efficiency
- Want no monthly mortgage insurance
- Want to preserve cash and maintain flexibility
Consider others if you:
- Are purchasing a non-primary residence
- Buying property that won't meet standards
- Unique investment strategy conflicting with VA rules
PROS & CONSIDERATIONS
Pros
- ✔ 0% down options
- ✔ No monthly mortgage insurance
- ✔ Competitive rates
- ✔ Outstanding long-term payment strategy
Considerations
- ⚠ VA funding fee may apply
- ⚠ Primary residence occupancy rules
- ⚠ Appraisal/condition requirements may be stricter
If you served, you shouldn’t overpay for a mortgage.
Let’s confirm eligibility, run the real numbers, and build the cleanest path to closing.
FAQ — VA HOME LOANS
Often, yes. Many eligible VA borrowers can buy with no down payment. The exact structure depends on eligibility, entitlement, purchase price, and lender requirements.
VA loans typically do not require monthly mortgage insurance like FHA or conventional low-down-payment loans. Some VA loans include a funding fee (unless exempt).
