VA · For Service Members

$0 down. No PMI. Earned.

VA loans are guaranteed by the U.S. Department of Veterans Affairs and remain the strongest mortgage product available in the U.S. — when you qualify. We help active-duty, veterans, and surviving spouses access them without the typical 'VA-bias' from agents and banks.

$0 down payment on most files (no max)
No private mortgage insurance ever
No loan limit with full entitlement (since 2020)
Funding fee waived for service-connected disability
VA streamline (IRRRL) refi — no appraisal, no income docs
2nd VA loan possible with restored entitlement

Get my comparison (407) 201-4403

NMLS# 2718409Equal Housing Opportunity

Best fit when

Best fit for these veterans.

First-time VA loan use

Full entitlement = no loan limit, $0 down. We send your COE request the same day.

Refinance to a lower rate (IRRRL)

VA streamline refi has no appraisal, no income verification, and rolls all costs into the loan.

VA cash-out refi

Up to 100% LTV cash-out on most programs. Use existing equity as down payment on the next house.

Second VA loan

Bonus entitlement lets many veterans hold two VA loans simultaneously. We model the math.

Surviving spouse

Eligible spouses of service-connected deceased veterans qualify. We help with the COE process.

Service-connected disability

Funding fee fully waived (typical savings: $5,000–$15,000 on a $400K loan).

Program details

What the lenders actually require.

Eligibility

Active duty, veteran, National Guard, Reserve, or eligible surviving spouse. Certificate of Eligibility (COE) required.

Down payment

$0 with full entitlement. No max loan amount. Partial entitlement may require down payment.

Credit score

VA has no minimum — most lenders set 580–620. We have programs to 580.

Funding fee

1.25% – 3.3% depending on use, down payment, and entitlement. Waived for service-connected disability.

Property

Primary residence only. 1–4 unit eligible (must occupy one unit).

Income / DTI

Residual-income method (more flexible than DTI alone). Most files approve to 41–55% DTI.

Next step

Use what you earned.

We're not just VA-friendly — we're VA-fluent. Send your scenario and we'll pull your COE, model entitlement, and compare VA against conventional and FHA on the same file.

Get my comparison (407) 201-4403

No credit pull · No application fee · Equal Housing Opportunity