Loan program
VA
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, service members, and surviving spouses.
What is a VA loan?
A VA loan is guaranteed by the Department of Veterans Affairs. The guarantee supports lenders so eligible borrowers can often purchase a primary home with little or no down payment and without monthly mortgage insurance.
Who can use VA financing?
Eligible veterans, active-duty service members, and certain surviving spouses can use VA loans when they have remaining entitlement and meet lender guidelines. We confirm eligibility with a Certificate of Eligibility early so we are not guessing.
What costs are unique to VA?
Many VA loans include a funding fee instead of monthly mortgage insurance. Some borrowers are exempt. Closing costs and seller concessions follow VA rules, which we map against your purchase contract.
What should we compare next?
VA is often the strongest starting point when you are eligible. Conventional or FHA can still be worth a side-by-side if entitlement, occupancy, or property type makes VA a poor fit for this transaction.
Other programs worth comparing
Ready for the next step?
Start an application or book a call. I will help you compare what fits.