You earned this benefit. Let's put it to work on a home.
VA loans reward your service with $0 down for eligible borrowers and no monthly mortgage insurance. We'll handle the Certificate of Eligibility and the details so you can focus on finding the right home.
Who this is for
- Veterans and active-duty service members
- Eligible National Guard and Reserve members
- Surviving spouses who qualify for VA benefits
- Service members who want to buy with little or no money down
How to apply for a VA loan
Confirm your eligibility
We help you obtain your Certificate of Eligibility and confirm your entitlement so you know exactly what your benefit covers.
Get pre-approved
We review your income and credit, then issue a pre-approval so you can shop with the strength of a VA buyer.
Find your home
We coordinate the VA appraisal and walk you through the funding fee and any costs before you commit.
Close on your terms
We manage underwriting and keep you updated through signing — and your benefit can be reused on future homes.
$0 down for eligible buyers
Most VA borrowers can finance 100% of the purchase price, with no down payment required.
No monthly mortgage insurance
Unlike FHA and low-down conventional loans, VA loans carry no monthly MI — a real monthly savings.
Competitive rates
VA loans often come with strong rates thanks to the program's backing of your service.
A benefit you can reuse
Your VA entitlement isn't a one-time thing — it can be restored and used again on future purchases.
Today's sample VA loan rates
Common questions
Do I really qualify for $0 down?
Most eligible veterans and service members can buy with no down payment, up to the limits of their entitlement. We'll confirm your specific situation when we review your Certificate of Eligibility.
What is the VA funding fee?
It's a one-time fee that helps keep the VA program running. The amount depends on your down payment and whether you've used your benefit before, and some veterans are exempt. We'll show you your exact figure.
Can I use my VA benefit more than once?
Yes. Your VA entitlement can be restored and reused on future home purchases once your prior VA loan is paid off or under certain conditions. It's not a one-and-done benefit.
How do I get my Certificate of Eligibility?
We can help you request it directly, in most cases within the same process as your pre-approval, so you don't have to chase down paperwork on your own.
What property types can I buy with a VA loan?
A VA loan can buy a single-family home, a VA-approved condo, a townhome, or a 2–4 unit property as long as you live in one unit. The home has to be your primary residence — VA isn't for pure investment property — and it must pass the VA appraisal. Manufactured homes are allowed, but only a limited set of lenders finance them, so tell us early and we'll line one up.