You served.
Let me serve you.
VA loans are one of the best mortgage products available — and you earned them. Zero down payment, no PMI, and competitive rates. I’ll walk you through every detail so you get the benefits you deserve.
Why VA loans are
exceptional.
Zero Down Payment
Buy a home with no down payment. VA loans are one of the only mortgage programs that offer 100% financing.
No Private Mortgage Insurance
Unlike conventional and FHA loans, VA loans don't require monthly PMI — saving you hundreds of dollars every month.
Competitive Interest Rates
VA loans consistently offer some of the lowest mortgage rates available, often lower than conventional loan rates.
Reusable Benefit
Your VA loan benefit can be used multiple times. There's no limit on how many VA loans you can have over your lifetime.
Limited Closing Costs
The VA limits the closing costs lenders can charge, and some costs can be covered by the seller or rolled into the loan.
Assumable Loans
VA loans are assumable by other eligible buyers, which can be a selling advantage if you ever decide to sell your home.
Am I eligible for a VA loan?
The best way to confirm eligibility is to obtain your VA Certificate of Eligibility (COE). I can help you request this through the VA or your lender — it’s a quick process.
What are the benefits of a VA loan?
VA loans are available to eligible veterans, active-duty service members, surviving spouses, and certain National Guard and Reserve members. The benefits are among the best in the mortgage market:
- Zero down payment — 100% financing with no money out of pocket for the down payment
- No PMI — unlike FHA and conventional low-down-payment loans, VA loans never require private mortgage insurance
- Reusable benefit — use your VA loan multiple times over your lifetime
- Assumable loans — your buyer can take over your VA loan at its current rate
The VA funding fee ranges from 1.25% to 3.3% and can be financed into the loan. It’s waived entirely for veterans with a service-connected disability and surviving spouses.
Questions military
buyers ask.
Do I need a VA appraisal?
Yes. The VA requires its own appraisal, which is separate from a standard appraisal. It ensures the property meets the VA's Minimum Property Requirements (MPRs) and confirms the home's value. The VA appraisal fee is typically $500–$800.
What is the VA funding fee?
The VA funding fee is a one-time fee that helps offset the cost of the program to taxpayers. It ranges from 1.25% to 3.3% of the loan amount, depending on your down payment and whether it's your first use. The fee can be waived for veterans with service-connected disabilities, Purple Heart recipients, and surviving spouses.
Can I use my VA loan more than once?
Absolutely. Your VA loan benefit is reusable. Once you've paid off a VA loan, you can restore your entitlement and use it again for another purchase. You can also have more than one VA loan at a time in certain situations with remaining entitlement.
What credit score is required for a VA loan?
The VA itself doesn't set a minimum credit score, but most lenders require at least 620. VA loans are generally more forgiving than conventional loans because they look at the full picture of your financial situation, not just a score.
Are VA loans assumable?
Yes — VA loans are assumable by other eligible buyers. If you sell your home, the buyer can take over your existing VA loan at its current interest rate and terms. In a high-rate environment, this can be a major selling advantage.
What is a VA IRRRL refinance?
The Interest Rate Reduction Refinance Loan (IRRRL), or "VA Streamline," lets you refinance an existing VA loan to a lower rate with no appraisal, minimal paperwork, and often no out-of-pocket costs. It's one of the fastest and easiest refinances available.
Can a surviving spouse use a VA loan?
Yes — eligible surviving spouses of service members who died in the line of duty or from a service-connected disability can use VA loan benefits, including zero down payment and no PMI. I help surviving spouses navigate this process with care.
Can I buy a multi-unit property with a VA loan?
Yes. VA loans can be used for 1–4 unit properties as long as you live in one of the units as your primary residence. This "house hacking" strategy lets you build wealth through rental income while living in the property.
Let me help you use
your VA benefit.
Whether you’re active duty, a veteran, or a surviving spouse — I’d be honored to guide you through the VA loan process. I’ll create a personalized video showing you exactly how your benefits work and what you qualify for.