VA Home Loans

You served. Now buy with $0 down.

VA loans are a hard-earned benefit for those who served — offering no down payment, no private mortgage insurance, and some of the most competitive rates available.

Check VA eligibility Estimate payments

VA at a glance

Sample APR5.99% APR*
Down payment$0
Private mortgage ins.None
COE assistanceIncluded
Start my VA loan
$0Down payment for eligible borrowers
No PMISave hundreds per month versus other low-down loans
ReusableYour VA benefit can be used more than once
Why VA

A benefit you've earned — used to the fullest

Backed by the U.S. Department of Veterans Affairs, VA loans remove some of the biggest hurdles to buying a home.

  • No down payment. Finance up to 100% of the home's value on eligible purchases.
  • No private mortgage insurance. Lower monthly payments than comparable loans.
  • Competitive rates. VA loans often price below conventional and FHA.
  • Limited closing costs. The VA caps certain fees lenders can charge you.
A family home with the American flag
Eligibility

Who qualifies for a VA loan

Service requirements vary, but most of the following may be eligible. We'll confirm and help obtain your Certificate of Eligibility (COE).

Veterans & active duty

Those who meet minimum service requirements during wartime or peacetime periods.

Guard & Reserves

National Guard and Reserve members who meet eligible length-of-service criteria.

Surviving spouses

Certain surviving spouses of service members may also be eligible for the benefit.

Estimate

Estimate your VA payment

With $0 down, your loan amount can equal the purchase price. Taxes and insurance are additional.

$

A one-time VA funding fee may apply and can be financed. Excludes taxes and insurance.

Estimated monthly (P&I)
$2,275
Loan amount$380,000
Total interest$439,142
Total of payments$819,142
Get your real rate
VA questions

Good to know

The VA funding fee is a one-time charge that helps keep the program running for future borrowers. It varies by down payment and whether it's your first use, and it can be financed into the loan. Some veterans — including many with service-connected disabilities — are exempt.
Yes. Your VA entitlement can be restored and reused after you sell a home and pay off the prior VA loan, and in some cases you can have more than one VA loan at a time. We'll help you understand your remaining entitlement.
You'll need a COE to confirm your eligibility to the lender. As part of your application, we can request it on your behalf through the VA — usually you just need your service details (such as your DD-214 for veterans).
Get started

Thank you for your service

Let our VA loan specialists put your benefit to work. Free eligibility check and pre-approval, no obligation.

Call (213) 964-3358Start online