VA Home Loans
Earned through service. A VA-backed purchase loan is one of the strongest paths to homeownership for eligible veterans, active-duty service members, and surviving spouses.
Benefits
Why eligible buyers choose a VA loan
No down payment for eligible buyers
Qualified borrowers with full entitlement can finance their home purchase without a down payment.
No private mortgage insurance
VA loans never require monthly PMI, which can mean a lower monthly payment than other low-down-payment options.
Competitive, government-backed terms
Because the VA guarantees a portion of the loan, lenders can offer favorable terms to those who've served.
A reusable benefit
Your VA loan entitlement isn't a one-time perk — it can be restored and used again.
Good fit?
Are you eligible for a VA loan?
Not sure if this is the right program? Get a free quote and a loan officer will help you compare your options.
Start my free quote- You're an eligible veteran, active-duty service member, Guard, or Reservist
- You're a surviving spouse who may qualify for VA benefits
- You want to buy with little or no money down
- You want to avoid monthly mortgage insurance
The process
How it works
Get pre-qualified
Answer a few questions online to see your estimated buying power — it only takes a few minutes.
Talk through your options
Your loan officer compares programs and helps you choose the right fit for your goals and budget.
Shop with confidence
Make offers backed by a pre-qualification letter that sellers take seriously.
Close on your home
We coordinate the details and keep you informed all the way to the closing table.
Questions
Frequently asked questions
Who is eligible for a VA loan?
Eligibility generally extends to qualifying veterans, active-duty service members, certain members of the Guard and Reserves, and some surviving spouses. We'll help you confirm your eligibility and obtain your Certificate of Eligibility.
What is a Certificate of Eligibility (COE)?
The COE confirms to your lender that you qualify for the VA home loan benefit. We can help you request it as part of getting pre-qualified.
Is there a VA funding fee?
Most VA loans include a one-time funding fee, which can often be financed into the loan. Some borrowers — such as those receiving VA disability compensation — may be exempt. We'll explain how it applies to you.
Can I use my VA benefit more than once?
Yes. The VA loan benefit is reusable. Your entitlement can be restored after you sell and pay off a prior VA loan, and in some cases you can have more than one VA loan at a time.
Does the home have to meet special requirements?
VA loans require the property to meet certain minimum standards and an appraisal. Your loan officer and agent will guide you so there are no surprises.
Ready to get started?
Get your personalized quote in a few minutes — no obligation, no impact to your credit to start. A loan officer will help you take it from there.