VA Loans
For Our Heroes
Honor your service with VA home loans designed for veterans, active military, and eligible spouses. $0 down payment, no PMI, and competitive rates to help you secure the home you've earned.
VA Benefit Calculator
Honor your service with the benefits you've earned
What Are VA Loans?
VA loans are a benefit earned through military service, backed by the Department of Veterans Affairs. These mortgages offer unmatched advantages for veterans, active-duty service members, and eligible surviving spouses, making homeownership more accessible and affordable.
Zero Down Payment
100% financing available - no down payment required
No Private Mortgage Insurance
Save hundreds monthly - no PMI ever required
Competitive Interest Rates
Often lower than conventional loan rates
VA Benefit Calculator
VA Loan Eligibility Requirements
Determine if you qualify for this valuable benefit based on your military service history.
Veterans
Active Duty
Guard & Reserves
Must have completed required training and meet other service requirements.
Exclusive VA Loan Benefits
Take advantage of these powerful benefits earned through your military service.
$0 Down Payment
Purchase a home with zero down payment required. 100% financing available up to VA loan limits.
No PMI Required
Never pay private mortgage insurance, even with zero down payment. Save $200-400+ monthly.
Competitive Rates
Access some of the best mortgage rates available, often lower than conventional loans.
Reusable Benefit
Use your VA loan benefit multiple times throughout your lifetime for different properties.
No Prepayment Penalty
Pay off your loan early without penalties. Refinance or sell anytime without restrictions.
Foreclosure Protection
VA provides assistance if you face financial hardship, helping you keep your home.
Certificate of Eligibility (COE)
Your COE proves to lenders that you're eligible for a VA-backed loan. We'll help you obtain it quickly.
How to Get Your COE
Online Application
Apply through VA's eBenefits portal or VA.gov for fastest processing
Through Your Lender
We can request your COE electronically through the VA system
Mail Application
Submit Form 26-1880 by mail with required documentation
Required Documentation
DD Form 214
Certificate of Release or Discharge from Active Duty
Statement of Service
For active duty members currently serving
NGB Form 22
For National Guard and Reserve members
Need Help Getting Your COE?
Our VA loan specialists can help you obtain your Certificate of Eligibility quickly and easily.
2025 VA Loan Limits & Funding Fee
Understand VA loan limits in your area and the one-time funding fee that supports the program.
VA Loan Limits
Nationwide Limit
All areas across the United States
Down Payment
Up to the limit
Above $3M
Requires down payment
VA Funding Fee
| Loan Type | First Use | Subsequent |
|---|---|---|
| Purchase (0% down) | 2.15% | 3.3% |
| Purchase (5%+ down) | 1.25% | 1.25% |
| Purchase (10%+ down) | 1.25% | 1.25% |
| Refinance (IRRRL) | 0.5% | 0.5% |
| Cash-Out Refinance | 2.15% | 3.3% |
*Veterans with 10%+ disability rating or service-connected disabilities are exempt from the funding fee
Recent Success Stories
Real clients, real homes. See how we've helped fellow service members achieve their homeownership dreams.
Frequently Asked Questions
Get answers to common questions about VA loans and benefits.
Can I use my VA loan benefit more than once?
Yes! VA loan benefits are reusable. You can use them multiple times throughout your lifetime, either by selling your current VA-financed home or by having sufficient remaining entitlement for a second home.
Do I need a down payment with a VA loan?
No down payment is required for VA loans up to the county loan limit. For homes above the limit, you'll need to pay 25% of the difference between the loan limit and purchase price.
What is the VA funding fee and who pays it?
The VA funding fee is a one-time fee that helps sustain the VA loan program. It ranges from 0.5% to 3.3% of the loan amount. Veterans with service-connected disabilities are exempt from this fee.
Can I buy a condo or townhouse with a VA loan?
Yes, you can purchase condos and townhouses with VA loans, but the property must be VA-approved. The condo complex must be on the VA's approved list or we can help get it approved.
How long does VA loan approval take?
VA loan approval typically takes 30-45 days from application to closing. The timeline can vary based on property appraisal, underwriting complexity, and documentation completeness.
Can surviving spouses use VA loan benefits?
Yes, unremarried surviving spouses of veterans who died in service or from service-connected disabilities may be eligible for VA loan benefits. Specific eligibility requirements apply.
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