VA Loans
For veterans, active duty, and eligible surviving spouses: zero down, no monthly mortgage insurance.
The VA loan is the strongest benefit in residential lending, and it is earned. Guaranteed by the Department of Veterans Affairs, it allows a qualified borrower to buy a primary residence with no down payment at all, and it charges no monthly mortgage insurance — a saving that runs to hundreds of dollars a month compared with a low-down-payment conventional or FHA loan.
VA rates are also typically among the most competitive available.
A good fit when…
- You are a veteran, active duty, National Guard, Reserve, or an eligible surviving spouse
- You want to buy with little or no money down
- You want to avoid monthly mortgage insurance
- You are refinancing an existing VA loan and want a streamlined process
Worth knowing
- Most borrowers pay a one-time VA funding fee, which can be financed into the loan
- Some veterans — including those receiving service-connected disability compensation — are exempt from that fee
- The home must be your primary residence
- You will need your Certificate of Eligibility, which we can help you pull
Our take. Your VA entitlement can be reused, and in some cases used for more than one property at a time. If you have used a VA loan before, do not assume it is spent — call and let us check what you have left.
Not sure this is the right program?
Most people arrive certain they need one specific loan and leave with a better-fitting one. Tell us what you are trying to do and we will lay out the realistic options side by side — payment, cash to close, and total cost — so you can compare them honestly.
30-Year Fixed15-Year FixedAdjustable RateFHA LoansUSDA LoansJumbo Loans203k Renovation
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