VA Loans

Who it's for

Active-duty service members, veterans with qualifying service, National Guard and Reserve members who meet service requirements, and eligible surviving spouses. Eligibility is verified through your Certificate of Eligibility (COE) — I'll help you pull it.

Down payment

Zero down on loans up to your entitlement. There is no maximum VA loan amount as long as you qualify — but loans above the conforming limit may require a partial down payment depending on remaining entitlement.

No monthly mortgage insurance

Unlike FHA and low-down-payment conventional loans, VA loans have no monthly PMI or MIP — ever. That alone can save hundreds of dollars a month.

The VA funding fee

A one-time fee (typically 1.25%–3.3% of the loan, depending on down payment and prior VA use) that can be financed into the loan. Waived for veterans with a service-connected disability rating.

Key advantages

• 0% down payment
• No monthly mortgage insurance
• Competitive interest rates
• Flexible credit and DTI guidelines
• Assumable by another VA-eligible buyer
• Reusable benefit — you can use it more than once

Worth knowing

VA is almost always the best loan for eligible borrowers — but it's worth running it side-by-side with conventional in specific scenarios (like a large down payment or a very short-term hold). That's a conversation we should have.