VA Loan

Who it's for

• Eligible veterans and active-duty service members
• Members of the National Guard and Reserves who meet service requirements
• Eligible surviving spouses
• Buyers purchasing a primary residence

Key benefits

• Often no down payment required for eligible borrowers
• No private mortgage insurance (PMI)
• Limits on the closing costs a veteran can be charged
• The VA benefit can often be reused, subject to entitlement
• Available for purchase and for refinance (including IRRRL streamline options, where eligible)

How it works

1. Eligibility check — we review your service history and help you understand the COE.
2. Consultation — we compare the VA option with conventional or FHA, so you can see the real difference in payment and cash needed at closing.
3. Application — we help you submit a complete application and the documents lenders ask for.
4. Underwriting & closing — the VA appraisal is completed and we walk through the final numbers with you before closing day.

What lenders typically look for

• Certificate of Eligibility (COE) — we can help you understand how to obtain it
• Service requirements set by the VA, based on service history
• Primary residence — the home must be your main home
• VA funding fee, which may be financed into the loan; some disabled veterans are exempt
• Credit and income review under VA and lender guidelines, including residual income
• VA appraisal and property condition standards

VA eligibility rules are specific to service history. If you're not sure you qualify, ask us — checking costs nothing.

Not sure it fits?

That's normal — and it's exactly what a broker is for. Tell us your scenario and we'll point you to the right starting point, even if it's a different program.

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Other loan programs

• Conventional Loan
• FHA Loan
• Stated Income / Non-QM Loan
• Hard Money Loan
• Refinancing
• HELOC