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Exclusive mortgage benefit for veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs with no down payment required.
A VA loan is right for you if you are a veteran, active-duty service member, or eligible surviving spouse. It offers unbeatable terms including zero down payment, no PMI, and competitive rates that are typically lower than conventional loans.
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Min Credit Score
620+
Min Down Payment
0%
Max LTV
100%
Max DTI
41% (can be higher with residual income)
Loan Limits
No loan limit for eligible veterans with full entitlement
PMI / MIP
No PMI; VA funding fee of 1.25%-3.3% (waived for disabled veterans)
Occupancy
Primary residence only
We verify your VA eligibility, obtain your Certificate of Eligibility (COE), review your credit and income, and determine your borrowing capacity with zero down.
Complete your loan application, submit income and asset documentation, and we order the VA appraisal which includes a Minimum Property Requirements (MPR) inspection.
The underwriter reviews your file against VA guidelines, confirms the appraisal meets VA standards, and the loan receives VA approval.
Sign your final documents, the VA funding fee is financed into the loan (or waived if applicable), and you move into your new home with zero down payment.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
Explore other loan products that might be a good fit for your needs.
A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.
Replace your existing mortgage with a new loan to lower your rate, reduce monthly payments, shorten your term, or access your home equity through cash-out refinancing.
Lock in a consistent interest rate and monthly payment for the entire life of your loan. Available in 15 or 30-year terms, providing long-term payment stability.
Apply online in minutes or call us to speak with a loan advisor about your VA options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.