VA LOANS
VA Loans — Benefits & How to Qualify
VA loans are one of the most powerful mortgage benefits available to U.S. veterans and service members — 0% down payment, no PMI, and competitive rates. Our AI advisor explains eligibility, the process, and how to maximize your benefit.
Check My VA Eligibility →No credit pull · No sign-up · NMLS #1598577
VA Loan Benefits
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0% Down Payment
Buy a home with no money down — one of the only loan programs that allows this.
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No PMI
Skip private mortgage insurance entirely, saving $100–$300/month compared to conventional.
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Competitive Rates
VA loans often carry rates 0.25–0.5% below conventional — backed by the federal guarantee.
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Reusable Benefit
Use your VA loan benefit multiple times throughout your life — it doesn't expire.
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Limited Closing Costs
VA limits what lenders can charge. Sellers can pay all of your closing costs.
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Foreclosure Protection
The VA provides assistance to veterans struggling to make payments — a safety net other loans don't offer.
Who Qualifies for a VA Loan?
Active Duty90+ consecutive days of active service
VeteransHonorable discharge; 90 days wartime or 181 days peacetime
National Guard / Reserves6+ years of service, or 90 days active duty under Title 10 orders
Surviving SpousesSpouse of veteran who died in service or from service-connected disability; not remarried
You'll need a Certificate of Eligibility (COE) — your lender can usually obtain this directly through the VA portal.
⚠️ VA Funding Fee
VA loans require a one-time funding fee (1.25–3.3% of the loan) that funds the program. It can be rolled into the loan.
Exempt: Veterans with a service-connected disability rating, surviving spouses of veterans who died in service, and Purple Heart recipients on active duty.
Questions about your VA benefit?
Our AI advisor explains eligibility, entitlement, the funding fee, and more. Free, instant, no credit pull.
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NMLS #1598577 · For informational purposes only · Not financial advice