Loan Programs
VA Loans
The strongest loan program in America, earned through service: no down payment, no monthly mortgage insurance, and competitive rates.
How this loan works
VA loans are guaranteed by the U.S. Department of Veterans Affairs for eligible Veterans, active-duty service members, members of the National Guard and Reserves, and certain surviving spouses. The benefit is hard to overstate: 100% financing with no down payment, no monthly mortgage insurance, competitive rates, and limits on what fees Veterans can be charged.
VA loans are also reusable — eligibility doesn't expire, and it can be restored and used again on future homes. If you've served and you're buying a home, this should almost always be the first program you price. We'll handle the Certificate of Eligibility and walk you through exactly how the entitlement works.
Program highlights
$0 down
100% financing for eligible borrowers — no down payment required in most cases.
No monthly MI
VA loans carry no monthly mortgage insurance, which can mean a meaningfully lower payment than FHA or low-down conventional.
Reusable benefit
VA eligibility can be restored and reused — it's a lifetime benefit, not a one-time offer.
We handle the paperwork
Certificate of Eligibility, entitlement math, funding-fee exemptions — our team does this every week.
The path, step by step
Confirm eligibility
We pull your Certificate of Eligibility and confirm your entitlement — usually within a day.
Pre-approval
A full pre-approval with realistic numbers, including the VA funding fee (or your exemption).
Offer & appraisal
We coordinate the VA appraisal and keep your offer competitive in a fast market.
Close
Keys in hand — with the fee protections the VA program guarantees.
Common questions
I used my VA loan years ago. Can I use it again?
Very likely yes. Entitlement can be restored after a home is sold and the loan repaid — and in many cases you can even have two VA loans at once. Bring us the details and we'll sort out your remaining entitlement.
Is the VA funding fee required for everyone?
No. Veterans receiving VA disability compensation and certain surviving spouses are exempt. For everyone else it can typically be financed into the loan rather than paid in cash.
Do VA loans take longer to close?
That's an outdated myth. With a team that knows the program, VA loans close on timelines comparable to any other loan — ours regularly do.
Related Programs
First-Time Homebuyer
Low-down-payment paths, down-payment assistance options, and step-by-step guidance built for people buying their very first home.
Learn more →Refinance
Lower your rate, shorten your term, or tap equity with a cash-out refinance — reviewed against your current loan so it only happens if it makes sense.
Learn more →Conventional Loans
Flexible, competitive financing for primary homes, second homes, and investment properties — with as little as 3% down for qualified buyers.
Learn more →Let's Talk
Wondering if VA is your fit?
One conversation with the team and you'll know for sure — with real numbers, not guesses.