skip to main content
VA loans
Available to active-duty service members, veterans, and eligible surviving spouses, this flexible loan option helps make homeownership more accessible for those who have served.
we're honored to serve U
loans for veterans and active-duty members
Our Veterans Affairs (VA) Loan is designed to honor those who serve. This flexible mortgage option allows eligible military members and their families to purchase a primary residence with 0% down payment1 and no monthly private mortgage insurance (PMI). Enjoy low fixed rates and streamlined approvals tailored to Veterans’ needs.
Whether you’re currently serving, a Veteran, or a qualifying surviving spouse, this loan offers a path to affordable homeownership. Backed by the Department of Veterans Affairs, VA loans provide unique benefits not available through conventional financing.
Features
- 0% down payment – Finance 100% of your home’s value with no money down1
- No monthly private mortgage insurance (PMI) – Keep monthly costs low
- Fixed Rate terms – Enjoy rate stability for the life of your loan
- Primary residence only – Available for owner-occupied properties
- Special eligibility – For active-duty members, Veterans, and certain surviving spouses
Ideal For
A VA Loan is designed to provide active-duty service members, veterans, and eligible surviving spouses with competitive interest rates, zero down payment options, and freedom from private mortgage insurance (PMI) when financing a primary residence.
Frequently Asked Questions
A: A VA loan is a government-backed mortgage program available to eligible active-duty service members, Veterans, and qualifying surviving spouses. Because the loan is guaranteed by the U.S. Department of Veterans Affairs, borrowers can access benefits like 0% down payment, no monthly private mortgage insurance (PMI), and competitive fixed rates.
If you're unsure whether a VA loan fits your needs, talk with a Mortgage Advisor.
A: VA loan eligibility is based on your military service history or status. Eligible borrowers typically include:
- Active-duty service members
- Veterans who meet minimum service requirements
- National Guard or Reserve members with qualifying service
- Unremarried surviving spouses of eligible Veterans
Eligibility is confirmed through a Certificate of Eligibility (COE) issued by the Department of Veterans Affairs. A Mortgage Advisor can help you obtain your COE.
A: Yes. Qualified borrowers can purchase a primary residence with 0% down through the VA loan program. This benefit is backed by the Department of Veterans Affairs and helps reduce upfront costs for eligible service members and Veterans.
To learn how much you may be able to finance, speak with a Mortgage Advisor.
A: No. VA loans do not require monthly private mortgage insurance (PMI), which helps keep payments lower compared to many other low-down-payment programs. Instead, most borrowers pay a one-time VA funding fee, which may be financed into the loan.
A Mortgage Advisor can explain how the funding fee works and whether exemptions apply.
A: VA loans can be used to purchase a primary residence that meets VA property standards. Eligible homes typically include single-family homes, VA-approved condos, and certain manufactured homes. The home must be safe, structurally sound, and sanitary according to VA appraisal guidelines.
If you're unsure whether a property qualifies, a Mortgage Advisor can review it with you.
A: Yes. A Certificate of Eligibility (COE) verifies that you meet VA service requirements and qualify for the loan benefit. Most borrowers can have their COE requested electronically through their lender, making the step quick and simple.
If you need help getting your COE, connect with a Mortgage Advisor.
A: Yes. In most cases, eligible borrowers can use their VA loan benefit more than once, as long as they restore or have remaining entitlement. Some borrowers may have enough entitlement to hold more than one VA loan at the same time, depending on circumstances.
A Mortgage Advisor can help you understand your available entitlement.
plan your next move
explore our mortgage calculators
Understanding your mortgage options can make a big difference in your financial future. Our mortgage calculators help you figure out monthly payments, estimate costs, and explore loan types to find what works best for you. Whether you’re buying a home, refinancing, or planning for the future, these tools give you the information you need to make confident choices.
related mortgage articles
Homebuying Basics: Closing Costs Explained
A simple, easy to understand guide to what closing costs are, when they’re paid, and how to prepare for them.
7 Questions to Ask Before Refinancing Your Mortgage
Is now the right time to refinance your mortgage? Here is a guide of key points and recommended questions to ask before refinancing.
13 Home Selling Hacks To Get the Highest Offer for Your Home
A home is the most significant financial investment you will ever make. Make sure you get the most for it when you decide to sell. Take these tips to ensure you sell your home quickly and for the highest possible price.
How to Build Your Dream Home with a Construction Loan
What if your dream home isn’t even on the market? Maybe it’s not, because you haven’t built it yet! A construction loan can open up a whole new world of homebuying possibilities! Here’s how they work.
Offer and terms subject to change. Loans subject to credit and collateral approval. Rate and term based on individual credit history and program guidelines. Consult a mortgage advisor for more details.
[1] Available on new mortgage applications.