You earned this benefit.
Let's use it.
Eligible borrowers may have a no-down-payment option and no monthly private mortgage insurance — exclusively for eligible veterans, active-duty service members, and surviving spouses. Entitlement, occupancy, appraisal, credit, income and lender underwriting requirements apply.
Service earns benefits. We make sure you receive them.
Your benefit. Zero
down. No insurance.
The VA loan benefit is a valuable financing tool for eligible veterans, service members, and surviving spouses, but eligibility alone does not guarantee approval — the specific documentation, appraisal, and underwriting requirements still need to be satisfied.
Alex works through VA files starting with the Certificate of Eligibility, through the VA appraisal, and through closing. The VA funding fee can generally be financed into the loan. Certain eligible veterans, service members, and surviving spouses are exempt under VA rules. The exemption should be confirmed through VA documentation and the Certificate of Eligibility rather than assumed from a disability percentage alone.
Already have a VA loan? The Interest Rate Reduction Refinance Loan (IRRRL) is a streamlined refinance option for eligible borrowers. Documentation, appraisal, and cost requirements vary by lender and file — the loan must still provide the required benefit and meet seasoning and recoupment rules.
Confirm eligibility and obtain COE
We pull your Certificate of Eligibility through the VA system; timing varies by file. This confirms your benefit entitlement and remaining eligibility amount.
Income and credit review
VA has flexible credit guidelines but still requires residual income analysis. Alex calculates your residual income to confirm you meet VA's living expense threshold.
VA appraisal and MPR review
VA appraisals include Minimum Property Requirements (MPR). We flag potential property condition issues before the appraisal and provide clear communication throughout.
Funding fee — finance or exemption review
The VA funding fee can be rolled into the loan amount. Certain eligible veterans, service members, and surviving spouses may be exempt under VA requirements — we confirm funding-fee status through your VA documentation and Certificate of Eligibility.
Close with the no-down-payment option
Eligible borrowers with sufficient entitlement may not need a down payment. Closing costs can often be negotiated into seller concessions, potentially reducing cash needed at closing.
Purchase, refinance,
and more.
The VA benefit extends beyond just purchase loans. Here's the full range of what's available to eligible borrowers.
VA Purchase Loan
Eligible borrowers may have access to a no-down-payment option and no monthly private mortgage insurance, subject to VA eligibility, entitlement, underwriting, appraisal, occupancy, and lender approval. Buy a primary residence — single-family, condo (VA-approved), or multi-unit (up to 4 units if you occupy one).
VA IRRRL (Streamline Refi)
A streamlined option for lowering an existing VA loan's interest rate. Documentation, appraisal, and income-verification requirements vary by lender and file, subject to VA seasoning and recoupment rules.
VA Cash-Out Refinance
Access home equity through a VA cash-out refinance. Maximum loan-to-value and underwriting requirements vary by lender. May be available even when the existing loan is conventional, subject to eligibility and lender approval.
VA Jumbo Loans
VA loans have no loan limit for eligible veterans with full entitlement. Borrow above the conforming limit without a down payment — subject to lender requirements.
Surviving Spouse Benefits
Unremarried surviving spouses of veterans who died in service or from service-connected disability may be eligible for VA loan benefits — including the no-down-payment purchase option.
Funding-Fee Exemptions
Certain eligible veterans, service members, and surviving spouses may be exempt from the VA funding fee under VA requirements — potentially reducing costs at closing. Exemption status is confirmed through your VA documentation and Certificate of Eligibility.
Program DetailsWhat to expect.
Down Payment
- Zero down payment option for eligible borrowers with full entitlement
- Partial entitlement may require a down payment depending on loan amount
- VA loans do not require private mortgage insurance
VA Funding Fee
- Funding fee rates vary by loan type, first vs. subsequent use, and down payment amount — current rates should be confirmed at VA.gov or with the lender
- The fee can generally be financed into the loan
- Certain eligible veterans, service members, and surviving spouses are exempt under VA rules, confirmed through VA documentation and the Certificate of Eligibility
Credit Requirements
- VA does not set a minimum credit score
- Individual lenders set their own credit overlays, which vary by lender
- Residual income and other compensating factors may be considered alongside credit history
Loan Limits
- No limit for full entitlement borrowers
- Conforming limits apply with partial entitlement
- Jumbo VA available through select lenders
Property Types
- Primary residence only
- Single-family, 2–4 units (owner-occupied), condos (VA-approved)
- Manufactured homes (select programs)
IRRRL Requirements
- Must already have a VA loan
- Must result in lower rate or shorter term
- No cash out allowed (use VA cash-out refi for that)
VA loans are provided by private lenders and guaranteed by the U.S. Department of Veterans Affairs. All loans subject to underwriting and lender approval. Not a commitment to lend. Program availability, eligibility, loan limits, terms, interest rates, fees, approval, and closing timelines are subject to change and may vary based on borrower qualifications, property eligibility, documentation, underwriting, lender and investor guidelines, and applicable federal and state requirements. This information is for general educational purposes and is not a commitment to lend or an offer of credit.
Frequently Asked Questions
Have questions about this program?
Alex reviews every file personally. Schedule a call and get direct answers.
You served. Now let's get
you into a home.
Book a strategy call and Alex will confirm your eligibility, pull your COE, and walk you through every step — in English or Spanish.