VA Loan Programs

VA Loans are government-backed mortgages provided by private lenders and guaranteed by the U.S. Department of Veterans Affairs (VA). These loans are a powerful benefit for:

- Active-duty service members
- Veterans
- Reservists and National Guard members
- Surviving spouses of veterans

**VA Loan Highlights**:

- $0 down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs
- Reusable benefit — use it multiple times

VA loans are available across all 50 states and can be used for purchasing, refinancing, or improving a primary residence.

- Must meet service time requirements (90 days wartime, 181 days peacetime, or 6 years in Reserves/National Guard)
- Honorable discharge or active-duty status
- Must obtain a Certificate of Eligibility (COE) from the VA
- Property must be used as your primary residence

- No down payment required
- No mortgage insurance (unlike FHA or conventional loans)
- Relaxed credit and income requirements
- Competitive rates often lower than conventional loans
- One-time VA funding fee (waived for some disabled veterans)

1. - Obtain your Certificate of Eligibility (COE) from the VA
2. - Find a VA-approved lender
3. - Get pre-qualified and submit required documents (income, assets, etc.)
4. - Find a VA-eligible home and make an offer
5. - Complete a VA appraisal and underwriting
6. - Close with no money down