VA Home Loans
Exclusive benefits for veterans, active military, and eligible spouses. No down payment, no PMI, and competitive rates.
VA Loan Benefits
Discover why VA loans are one of the best mortgage options available
No Down Payment
Buy a home with zero money down. VA loans are one of the only mortgage options that don't require a down payment.
No Private Mortgage Insurance
Skip the extra monthly PMI payment that conventional loans require when you put down less than 20%.
Competitive Interest Rates
VA loans typically offer lower interest rates than conventional mortgages, saving you money over the life of your loan.
Limited Closing Costs
VA loans cap the closing costs lenders can charge, and sellers can pay all of your loan-related closing costs.
No Prepayment Penalty
Pay off your loan early or make extra payments without any penalty fees.
Easier Qualification
More flexible credit requirements and debt-to-income ratios than conventional loans.
How VA Loans Work
Your path to homeownership in four simple steps
Check Your Eligibility
Verify your VA loan eligibility and obtain your Certificate of Eligibility (COE).
Get Pre-Approved
Complete our quick application to see how much home you can afford.
Find Your Home
Shop for your dream home with confidence, knowing your financing is ready.
Close & Move In
We handle the paperwork so you can focus on your new home.
VA Loan Eligibility
You may be eligible for a VA loan if you meet one of the following service requirements:
- Served 90 consecutive days of active service during wartime
- Served 181 days of active service during peacetime
- Served 6 years in the National Guard or Reserves
- Are the spouse of a service member who died in the line of duty or from a service-connected disability
Not sure if you qualify? Check your eligibility in minutes.
Types of VA Loans
Whether you're buying your first home or refinancing, there's a VA loan option for you.
VA Funding Fee
The VA funding fee is a one-time payment that helps sustain the VA loan program for future veterans. The fee can be financed into your loan or paid at closing.
| Down Payment | First Use | Subsequent Use |
|---|---|---|
| None | 2.15% | 3.3% |
| 5% - 9.99% | 1.5% | 1.5% |
| 10% or more | 1.25% | 1.25% |
Note: Veterans receiving VA disability compensation, Purple Heart recipients serving on active duty, and surviving spouses of veterans who died in service or from service-connected disabilities are exempt from the funding fee.
VA Loan Rates
VA loans typically offer some of the lowest rates available. Get your personalized rate today.
VA Loan FAQs
Get answers to common questions about VA home loans
Ready to use your VA benefit?
Get pre-approved in as little as 5 minutes. No impact to your credit score.