For Our Heroes
Honor your service with VA home loans designed for veterans, active military, and eligible spouses. $0 down payment, no PMI, and competitive rates to help you secure the home you’ve earned.
Honor your service with the benefits you've earned
VA loans are a benefit earned through military service, backed by the Department of Veterans Affairs. These mortgages offer unmatched advantages for veterans, active-duty service members, and eligible surviving spouses, making homeownership more accessible and affordable.
$832,750 for most areas, $1,249,125 in high-cost markets
100% financing available - no down payment required
Often lower than conventional loan rates
Determine if you qualify for this valuable benefit based on your military service history.
Your COE proves to lenders that you’re eligible for a VA-backed loan. We’ll help you obtain it quickly.
Apply through VA's eBenefits portal or VA.gov for fastest processing
We can request your COE electronically through the VA system
Submit Form 26-1880 by mail with required documentation
Certificate of Release or Discharge from Active Duty
For active duty members currently serving
For National Guard and Reserve members
Our VA loan specialists can help you obtain your Certificate of Eligibility quickly and easily.
Understand VA loan limits in your area and the one-time funding fee that supports the program.
| Loan Type | First Use | Subsequent |
|---|---|---|
| Purchase (0% down) | 2.15% | 3.3% |
| Purchase (5%+ down) | 1.25% | 1.25% |
| Purchase (10%+ down) | 1.25% | 1.25% |
| Refinance (IRRRL) | 0.5% | 0.5% |
| Cash-Out Refinance | 2.15% | 3.3% |
*Veterans with 10%+ disability rating or service-connected disabilities are exempt from the funding fee
All areas across the United States
Up to the limit
Requires down payment
Take advantage of these powerful benefits earned through your military service.
Get answers to common questions about VA loans and benefits.
Yes! VA loan benefits are reusable. You can use them multiple times throughout your lifetime, either by selling your current VA-financed home or by having sufficient remaining entitlement for a second home.
No down payment is required for VA loans up to the county loan limit. For homes above the limit, you’ll need to pay 25% of the difference between the loan limit and purchase price.
The VA funding fee is a one-time fee that helps sustain the VA loan program. It ranges from 0.5% to 3.3% of the loan amount. Veterans with service-connected disabilities are exempt from this fee.
Yes, you can purchase condos and townhouses with VA loans, but the property must be VA-approved. The condo complex must be on the VA’s approved list or we can help get it approved.
VA loan approval typically takes 30-45 days from application to closing. The timeline can vary based on property appraisal, underwriting complexity, and documentation completeness.
Yes, unremarried surviving spouses of veterans who died in service or from service-connected disabilities may be eligible for VA loan benefits. Specific eligibility requirements apply.
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