VA Loans
Thank you for your service. VA loans offer exclusive benefits to veterans, active-duty service members, and eligible surviving spouses - including zero down payment for purchases and the VA IRRRL streamline refinance to lower your rate fast.
Last updated: April 2026
Key Facts
VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs for eligible service members, veterans, and surviving spouses. Key benefits include 0% down payment, no PMI, and competitive rates. A one-time VA funding fee applies but can be rolled into the loan.
What Is a VA Loan?
VA loans are backed by the U.S. Department of Veterans Affairs and designed exclusively for those who have served our country. The VA guarantees a portion of the loan, which allows lenders to offer zero down payment, no PMI, and more favorable terms.
If you are eligible, a VA loan almost always beats every other financing option out there - lower rates, no PMI, no down payment. It works for both purchasing and refinancing. For non-military borrowers, our conventional and FHA programs offer competitive alternatives. The VA IRRRL (Interest Rate Reduction Refinance Loan) lets you lower your rate with minimal paperwork, no appraisal, and often no out-of-pocket costs.
VA Renovation loans take the program even further, letting you finance both the purchase price and the cost of repairs or improvements in a single loan. If you find a home that needs work, you do not have to choose between the VA benefit and the property - you can use both together.
Even if your credit is not perfect, VA loans offer some of the most flexible guidelines available. We have VA programs that work with sub-580 FICO scores, so a lower credit score does not automatically disqualify you from using your earned benefit.
I handle the full VA process - from pulling your Certificate of Eligibility (COE) to closing. With 90+ lenders, I shop for the most competitive VA rate available.
Key Benefits
No Down Payment Required
Purchase a home with zero money down. VA loans are one of the only mortgage programs that still offer 100% financing on home purchases.
No Private Mortgage Insurance (PMI)
Unlike conventional and FHA loans, VA loans never require PMI - saving you hundreds of dollars per month on your mortgage payment.
Competitive Interest Rates
VA loans consistently offer highly competitive interest rates because the VA guarantee reduces risk for lenders.
Flexible Credit Guidelines
VA loans have more lenient credit requirements than conventional loans. Even borrowers with sub-580 FICO scores may have options through VA-approved programs.
VA Streamline Refinance (IRRRL)
Already have a VA loan? The Interest Rate Reduction Refinance Loan lets you lower your rate with minimal paperwork and no appraisal needed.
VA Renovation Loans
Want to buy a fixer-upper? VA renovation loans let you finance both the purchase price and the cost of repairs or improvements in a single loan - all with $0 down and no PMI.
Who Is This For?
VA loans are available to those who have earned this benefit through military service. Eligibility includes:
- Active-duty service members who have served at least 90 consecutive days during wartime or 181 days during peacetime
- Veterans who meet minimum service requirements and were discharged under conditions other than dishonorable
- National Guard and Reserve members with at least 6 years of service or 90 days of active-duty service
- Eligible surviving spouses of veterans who passed away in service or from a service-connected disability
- Current VA borrowers looking to refinance with the VA Streamline (IRRRL) program
- Veterans buying a fixer-upper who want to finance purchase and renovations together with a VA renovation loan
- Veterans with lower credit scores - sub-580 FICO VA options are available through our lender network
Frequently Asked Questions
Who qualifies for a VA loan?
Is there a down payment required for VA loans?
What is the VA funding fee?
Can I use a VA loan more than once?
Does a VA loan have PMI?
Have more questions? Visit our complete FAQ page covering all loan programs, or check the mortgage glossary for definitions of common terms.
Rates and program availability may vary based on the state or region in which the financed property is located. This is not a credit decision, an offer, or a commitment to lend. Program restrictions apply.
Ready to Use Your VA Benefit?
You have earned this benefit. Whether you are purchasing a home with zero down or refinancing with the VA IRRRL to lower your rate, let me find you a strong deal across our lender network.