VA Loans
VA Loans
Zero down payment financing exclusively for veterans, active duty, and surviving spouses.
What It Is
VA loans are guaranteed by the U.S. Department of Veterans Affairs and offer exceptional benefits to eligible veterans, active-duty service members, and surviving spouses. They are widely considered the best mortgage program available.
Who Qualifies
Eligible veterans, active-duty service members, National Guard members, reservists, and surviving spouses of veterans. A Certificate of Eligibility (COE) is required.
Basic Requirements
—Valid Certificate of Eligibility (COE)
—Minimum 620 credit score (lender overlay)
—Primary residence only
—VA funding fee applies (may be financed)
—Property must meet VA minimum property requirements
Key Benefits
No down payment required
No private mortgage insurance (PMI)
Competitive interest rates
Flexible credit requirements
No prepayment penalty
Lifetime benefit — can be used multiple times
Ready to Get Started?
Talk to a loan officer today. We'll review your situation and find the best program for you — no obligation.