VA Home Loans for Veterans & Military

Zero Down Payment & No PMI for Those Who Served

Zero down payment required
No private mortgage insurance (PMI)
Lower interest rates than conventional
Available to veterans & active military

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Check Your VA Loan Eligibility

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What Is a VA Home Loan?

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs. Available exclusively to eligible veterans, active-duty service members, and surviving spouses, VA loans are one of the best mortgage benefits earned through military service.

VA loans require zero down payment, have no private mortgage insurance (PMI), and typically offer lower interest rates than conventional or FHA loans. There's also no loan limit for borrowers with full VA entitlement.

VA Loan Benefits

Zero Down Payment

Buy a home with no money down. 100% financing is standard on all VA purchase loans with full entitlement.

No PMI

Unlike FHA and conventional loans with less than 20% down, VA loans never require monthly mortgage insurance premiums.

Lower Interest Rates

Government backing lets lenders offer rates that are typically 0.25–0.50% lower than conventional loans for the same credit profile.

No Loan Limit

With full entitlement, there's no VA loan limit. Borrow as much as the lender will approve based on your income and credit.

Who Qualifies for a VA Loan?

VA loan eligibility is based on military service. You must meet minimum service requirements and obtain a Certificate of Eligibility (COE) from the VA.

Veterans — 90+ consecutive days of active service during wartime, or 181+ days during peacetime
Active-duty service members — Currently serving with 90+ days of continuous active duty
National Guard & Reserves — 6+ years of service, or 90+ days of active duty under a federal order
Surviving spouses — Unmarried surviving spouses of veterans who died in service or from a service-connected disability

Basic Requirements

Valid Certificate of Eligibility (COE)
Property must be your primary residence
Sufficient income and acceptable credit (most lenders look for 580+)
Home must meet VA Minimum Property Requirements (MPR)

VA Funding Fee

VA loans don't require PMI, but most borrowers pay a one-time VA funding fee. This fee supports the VA loan program and can be rolled into the loan amount.

First-Time Use — Purchase

2.15% of the loan amount with zero down. Reduced to 1.25% with 10%+ down payment. Lower for subsequent use with down payment.

Exempt Borrowers

Veterans receiving VA disability compensation, Purple Heart recipients, and surviving spouses are exempt from the funding fee entirely.

VA Loan vs. Conventional Loan

VA Loan

Zero down. No PMI. No loan limit (full entitlement). Lower rates. Funding fee (waived for disabled vets). Primary residence only. Assumable.

Conventional Loan

3–20% down. PMI required below 20%. Conforming limits apply. Slightly higher rates. Available for investment properties and second homes.

For eligible borrowers, VA loans almost always win on total cost — especially when you factor in zero down, no PMI, and lower rates. The only scenario where conventional may make more sense is buying an investment property or second home (which VA doesn't allow).

Frequently Asked Questions

Can I use my VA loan benefit more than once?

Yes. VA loan entitlement can be reused. If you've paid off a previous VA loan or sold the home, your entitlement is restored. You may even be able to have two VA loans at once with remaining entitlement.

What credit score do I need for a VA loan?

The VA doesn't set a minimum credit score, but most lenders require 580–620. Higher scores get better rates and easier approval.

Can I use a VA loan to refinance?

Yes. The VA Interest Rate Reduction Refinance Loan (IRRRL) lets you refinance an existing VA loan with minimal documentation and no appraisal. You can also do a VA cash-out refinance.

Can I buy a condo with a VA loan?

Yes, but the condo project must be on the VA-approved list. Individual condo units in non-approved projects may qualify through the single-unit approval process.

How fast can a VA loan close?

Most VA purchase loans close in 30–45 days. VA refinances (IRRRL) can close in as little as 15–20 days since they require less documentation.

Is there a VA loan limit?

Not for borrowers with full VA entitlement. If you have reduced entitlement (from a previous VA loan still active), county loan limits may apply to the portion not covered by your remaining entitlement.