Loan Program
VA Loans
Zero down. No PMI. Earned by service.
Overview
VA loans are guaranteed by the U.S. Department of Veterans Affairs and offer some of the most favorable mortgage terms available — including zero down payment and no monthly mortgage insurance for eligible veterans, active-duty service members, and surviving spouses.
Key Benefits
- No down payment required
- No monthly PMI
- Competitive interest rates
- Limited closing costs
- Reusable benefit
- Assumable loan
Qualification Highlights
- Valid Certificate of Eligibility (COE)
- Sufficient income & DTI
- Acceptable credit (lender minimums apply)
- Primary residence only
- VA funding fee (may be waived for disability)
Frequently Asked Questions
We can pull it for you in most cases during application.
Questions about VA Loans?
A licensed loan officer will walk you through your options — no obligation.