VA Loans
VA loans are mortgages guaranteed by the U.S. Department of Veterans Affairs, offering meaningful benefits to eligible veterans, active-duty service members, and certain surviving spouses — including the ability to finance up to 100% of a home's purchase price for qualifying borrowers.
Who this program tends to fit
- Eligible veterans and active-duty service members
- Certain National Guard and Reserve members
- Qualifying surviving spouses
- Buyers who want to avoid a down payment or ongoing mortgage insurance
How it works
Eligible borrowers can often finance a home with no down payment and without the monthly mortgage insurance required by many other loan types, though a VA funding fee typically applies (with exceptions for some borrowers). I'll help you confirm eligibility through your Certificate of Eligibility and walk through how VA guidelines apply to your specific purchase or refinance.
Frequently asked questions
Do I have to be currently serving to use a VA loan?
No — eligibility extends to many veterans, certain National Guard and Reserve members, active-duty service members, and qualifying surviving spouses, based on service history and discharge status.
Is a down payment ever required on a VA loan?
Many eligible borrowers can finance up to 100% of the purchase price with no down payment, though specific loan amounts, entitlement, and lender guidelines can affect this — we'll review your specific scenario together.
Can I use a VA loan more than once?
Yes, in many cases, depending on your remaining entitlement. We can review how prior VA loan use may affect a new purchase.
Have questions about VA Loans?
I'm glad to talk through whether this program fits your specific situation — no pressure, just a clear answer.