All Loan Programs
VA Loans
Zero down payment mortgages exclusively for veterans and military.
0%
Min. Down Payment
580+
Min. Credit Score
60%
Max DTI
Overview
VA loans are guaranteed by the U.S. Department of Veterans Affairs and offer incredible benefits to eligible veterans, active-duty service members, and surviving spouses. With no down payment required, no monthly mortgage insurance, and competitive rates, VA loans are one of the best mortgage options available.
Key Benefits
- No down payment required
- No monthly mortgage insurance
- Competitive interest rates
- Flexible credit requirements
- No prepayment penalties
- Available for purchase and refinance
Requirements
- 1Must be a veteran, active duty, or eligible surviving spouse
- 2Certificate of Eligibility (COE) required
- 3Property must be a primary residence
- 4VA funding fee applies (can be financed)
- 5Meet minimum service requirements
Frequently Asked Questions
Who is eligible for a VA loan?+
VA loans are available to veterans, active-duty service members, National Guard/Reserve members with qualifying service, and some surviving spouses. You need a Certificate of Eligibility (COE) to apply.
Is there really no down payment on a VA loan?+
Yes, VA loans offer 100% financing with no down payment required. This is one of the most significant benefits of VA loans and can save you tens of thousands of dollars upfront.
What is the VA funding fee?+
The VA funding fee is a one-time payment (1.25% to 3.3% of the loan amount) that helps fund the program. It can be financed into the loan. Some veterans with service-connected disabilities are exempt.
Interested in VA Loans?
Get pre-qualified in minutes. No commitment, no impact on your credit score.