You've Served Your Country. Now Let Your Benefits Serve You.
Buy a home with $0 down, no mortgage insurance, and rates designed for those who've served. Your VA loan benefit is ready—let's put it to work.
Why VA Loans Are Different
The Benefits You've Earned
$0 Down Payment
Buy a home without draining your savings. No down payment required—just proof of eligibility and income qualification.
No PMI (Private Mortgage Insurance)
Save real money per month compared to conventional loans.
Competitive Interest Rates
VA loans typically offer lower rates than conventional mortgages, saving you thousands over the life of your loan.
Use It Multiple Times
This isn't a one-time benefit. Use it again and again throughout your life as you upgrade or relocate.
Flexible Credit Requirements
You don't need perfect credit. Many veterans qualify with scores in the 600s.
No Maximum Loan Amount
In most counties, there's no cap on how much you can borrow (based on your income and debt-to-income ratio).
Am I Eligible?
Who Qualifies for a VA Loan?
Veterans who served on active duty and were discharged under conditions other than dishonorable
Active Duty Service Members with at least 90 consecutive days of service
National Guard and Reserve Members with at least 6 years of service (or 90 days of active duty during wartime)
Surviving Spouses of veterans who died in service or from service-connected disabilities
Not sure if you qualify? We'll verify your eligibility in minutes.
What You'll Actually Pay
The Real Numbers
What You DON'T Pay:
❌ Down payment (that's $80,000 saved on a $400K home)
❌ PMI ($200-250/month = $24,000-30,000 over 10 years)
❌ Prepayment penalties
What You DO Pay:
✅ VA funding fee (waived for disabled veterans and Purple Heart recipients)
✅ Standard closing costs (often negotiable with sellers)
✅ Prepaid property taxes and insurance
The Process Is Simple
From Application to Keys in 4 Easy Steps
Step 1: Get Pre-Approved (15 minutes)
Complete our simple online application. We'll verify your eligibility and pre-approve you based on your income and credit.
Step 2: Obtain Your Certificate of Eligibility (1-2 days)
We'll help you get your COE from the VA—proof that you're eligible for the benefit.
Step 3: Find Your Home
Shop with confidence knowing exactly what you can afford. Your pre-approval shows sellers you're serious. (We can refer you to one of our amazing real estate agents!)
Step 4: Close on Your Home (30 days average)
We handle the details. You get the keys. Welcome home.
FAQs
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Yes. After you sell your home and pay off your VA loan, your entitlement is fully restored. You can use it again immediately. There's no lifetime limit.
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You can likely use it again. We'll check your entitlement and show you exactly what's available.
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Correct. VA loans require $0 down. The only exception is if you're buying above the county loan limit and don't have full entitlement—in which case you'd make a small down payment on the amount over the limit.
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It's a one-time fee (typically 2.15% for first-time use with $0 down) that helps fund the VA loan program. It can be rolled into your loan. Disabled veterans and Purple Heart recipients are exempt.
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Many veterans qualify with credit scores in the 600s. We'll review your situation and help you understand your options.
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Single-family homes, condos (if VA-approved), townhomes, and even multi-unit properties up to 4 units (as long as you live in one).
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Our average is 30 days from application to closing. We prioritize speed without cutting corners.