VA loans are guaranteed by the U.S. Department of Veterans Affairs and are one of the strongest mortgage benefits available to those who've served. For eligible borrowers, they often mean no down payment, no monthly mortgage insurance, and competitive rates — one of the most valuable programs I help clients use.
Who it's for
- Active-duty service members and eligible veterans
- Surviving spouses of service members who died in the line of duty or from a service-connected disability
- National Guard and Reserve members who meet service requirements
- Anyone with a Certificate of Eligibility (COE) — I can help you request one if you don't have it yet
Key features
- Up to 100% financing available for eligible borrowers — often no down payment required
- No monthly private mortgage insurance
- A VA funding fee applies in most cases (can sometimes be waived, e.g. for certain disability ratings)
- Competitive interest rates compared to many conventional loans
- VA Streamline (IRRRL) refinance available to lower your rate with reduced documentation
