Loan program
VA Loans
Earned through service — and one of the strongest loan programs available to anyone. Zero down payment, no monthly mortgage insurance, and competitive rates for veterans, active-duty service members, and eligible surviving spouses.
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Why a VA loan is worth using
No down payment is required in most cases, there's no monthly private mortgage insurance regardless of how little you put down, and VA guidelines are often more forgiving on credit than conventional financing. It's a benefit you earned — I specialize in making sure you actually get its full value.
Who qualifies
- Veterans who meet minimum active-duty service requirements
- Active-duty service members
- Certain National Guard and Reserve members
- Eligible surviving spouses of service members who died in the line of duty or from a service-connected disability
Eligibility is confirmed through a Certificate of Eligibility (COE) — I can help you pull yours if you don't already have it.
The VA funding fee
Instead of monthly mortgage insurance, VA loans charge a one-time funding fee, which can typically be rolled into the loan rather than paid out of pocket. Veterans receiving VA disability compensation are often exempt from this fee entirely — worth confirming before you assume it applies to you.
What the property needs to meet
VA loans are for primary residences, and the property has to meet VA minimum property requirements — generally, safe, sound, and sanitary condition. I'll walk you through what that means for a specific property before you write an offer.
Thank you for your service — let's put your benefit to work.
I'll help you pull your Certificate of Eligibility if you don't already have it.