VA Loans

One of the best mortgage benefits in America. Earned through service.

VA loans are mortgages backed by the Department of Veterans Affairs, offered to active-duty service members, veterans, and qualifying surviving spouses. Zero down. No monthly mortgage insurance. Competitive rates. A real benefit for those who served.

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VA Loans, Explained

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What is a VA loan?

A VA loan is a government-backed mortgage program offered exclusively to eligible service members, veterans, and surviving spouses. The Department of Veterans Affairs doesn't issue the loan itself — they guarantee a portion of it, which lets approved lenders offer significantly better terms than they could otherwise.

Who it's for

Who qualifies for a VA loan?

Active-duty military

Eligible after a qualifying period of service.

Veterans

Eligibility depends on service period and discharge status.

Reservists & National Guard

Eligible after specific service requirements.

Surviving spouses

May qualify based on the service member's record.

Key benefits

Why the VA loan is so powerful.

Zero down payment

100% financing on your primary residence — no down payment required. VA stands alongside USDA and select physician programs as one of the few true zero-down options available today.

No monthly mortgage insurance

VA loans have zero monthly mortgage insurance — ever. FHA typically carries MIP for years, and conventional requires PMI until 20% equity. That's real money back in your pocket every month.

Competitive interest rates

Often among the best rates available.

Flexible credit requirements

The VA sets no minimum credit score, and Brent and his team can work with scores as low as 500 — provided there are no derogatory credit events in the past 12 months (24 is even better). Most lenders won't touch a file below 580–620.

VA Streamline Refinance (IRRRL)

Faster, lower-cost refinance option when rates drop.

Common questions

VA loan FAQs.

Am I eligible for a VA loan?

Eligibility comes down to your service. Active-duty members, veterans, many reservists and National Guard, and some surviving spouses can qualify, based on length of service and discharge status. You'll need a Certificate of Eligibility (COE) — and we can help you pull it. The quickest way to know for sure is a short conversation.

Can I use my VA loan more than once?

Yes. The VA benefit isn't one-and-done — you can use it again, and in some cases hold more than one VA loan at a time. Your available "entitlement" depends on what you've used and whether prior loans are paid off. We'll check your entitlement and map out your options.

Is there really no PMI?

Correct — VA loans carry zero monthly mortgage insurance, ever. That's one of the biggest advantages of the program. Unlike FHA (which usually keeps MIP for years) or conventional (PMI until 20% equity), VA skips that monthly cost entirely.

What's the VA Funding Fee?

It's a one-time fee the VA charges to keep the program running without monthly mortgage insurance. The amount depends on your down payment and whether it's your first VA loan, and it can be rolled into the loan rather than paid up front. Many disabled veterans are exempt entirely — we'll confirm whether that applies to you.

Can I use a VA loan for a rental property?

VA loans are for primary residences, so not for standalone rentals. But there's a great strategy: buy a 2–4 unit property, live in one unit, and rent the others — fully VA-eligible. And when you move later, you can often keep the home as a rental. For pure investment purchases, we'll line up conventional or DSCR options.

See all Frequently Asked Questions →

You earned this benefit. Let's use it right.

Served? Schedule a 15-minute VA loan consultation and we'll make sure you get the most out of it.

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