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Buy

You served. This is the best mortgage on the market, and it is yours.

VA loans need no down payment, no monthly mortgage insurance, and accept credit and debt ratios other programs will not. With full entitlement there is no loan limit. A one-time funding fee replaces the insurance, and it is waived for veterans with a service-connected disability.

Minimum down0%
Mortgage insuranceNone
Loan limitNone with full entitlement
Funding feeWaived with a VA disability rating
See if I qualifyCall (800) 511-3330
4.4 on Google · 214 reviewsNMLS 13988Licensed in 15 states + DC
Who it's for

Is the VA purchase loan right for you?

  • Veterans, active-duty service members and eligible surviving spouses
  • Buyers who want to keep their savings instead of putting them down
  • Anyone with past credit issues but steady income
  • Reservists and National Guard members with qualifying service
How it works

Three steps from here to closing.

Certificate of eligibility

We pull your COE from the VA in minutes with your service information.

Pre-approval and offer

Sellers accept VA offers every day; we show them the numbers work.

VA appraisal and closing

The appraisal includes minimum property requirements. Sellers can pay all of your closing costs.

What you'll need

Requirements at a glance.

  • Certificate of eligibility (we obtain it for you)
  • Credit score around 580 to 620 depending on the file
  • Residual income that meets the VA table for your region and family size
  • Primary residence, one to four units
  • Funding fee of 0% to 3.3% unless exempt, financed into the loan
Straight talk

The upside, and what to weigh.

Why people choose it

  • Zero down and no monthly mortgage insurance
  • No loan limit with full entitlement
  • Foreclosure and bankruptcy waiting periods are shorter than other programs

Things to consider

  • Funding fee adds to the loan balance unless you are exempt
  • The property must meet VA minimum property requirements
Common questions

Asked on almost every first call.

Can I use my VA benefit again?

Yes. Entitlement restores when a prior VA loan is paid off, and you can have two VA loans at once in some cases.

Is there a loan limit?

Not with full entitlement. With partial entitlement the county limit applies to the zero-down amount.

Do sellers dislike VA offers?

That is an old myth. VA appraisals and closings run on the same timeline as conventional.