Your Service Earned You Incredible Home Buying Benefits
Thank you for your service. Now let me help you use the VA loan benefits you’ve earned. Buy a home with $0 down, no PMI, and competitive rates. As a VA loan specialist, I’ll guide you through every step and ensure you get the respect and service you deserve.
Call today to see if you have bonus entitlement!
VA Loan Benefits
$0
Down Payment
$0
PMI Required
No Limit
Loan Amount*
Lifetime
Reusable Benefits
*For veterans with full entitlement.
VA Loan Programs
Multiple VA loan options to meet your needs throughout your homeownership journey.
VA Purchase Loans
Buy Your Dream Home with $0 Down
Key Benefits:
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- No prepayment penalties
- Seller can pay all closing costs
- Assumable by qualified buyers
Requirements:
- Valid Certificate of Eligibility (COE)
- Meet lender credit requirements
- Sufficient income for payments
- Property must be primary residence
VA IRRRL (Streamline Refinance)
Lower Your Rate with Minimal Hassle
Key Benefits:
- No appraisal typically required
- Minimal documentation needed
- No income verification required
- Lower interest rates available
- Fast processing and closing
- Can include funding fee in loan
Requirements:
- Current loan must be a VA loan
- Must result in lower payment or rate
- No cash back over $6,000
- Property must be previously occupied
VA Cash-Out Refinance
Access Your Home's Equity
Key Benefits:
- Cash out up to 80% of home value
- No PMI on the new loan
- Competitive interest rates
- Use cash for any purpose
- Consolidate high-interest debt
- Home improvements and investments
Requirements:
- Valid Certificate of Eligibility
- Property appraisal required
- Meet credit and income requirements
- Property must be primary residence
VA Restoration Loans
Restore Your VA Loan Benefits
Key Benefits:
- Restore full VA loan entitlement
- Use benefits again for new purchase
- No waiting period required
- Keep previous property if desired
- Multiple properties with VA loans
- Maximize your VA benefits
Requirements:
- Previous VA loan must be paid off
- Property sold or entitlement restored
- Meet current VA eligibility
- Lender approval required
VA Funding Fee Structure
Understanding the VA funding fee helps you plan your home purchase. Veterans with service-connected disabilities are exempt from this fee.
| Loan Type | 0% Down | 5% Down | 10% Down |
|---|---|---|---|
| First-Time Use - Purchase | 2.15% | 1.50% | 1.25% |
| Subsequent Use - Purchase | 3.30% | 1.50% | 1.25% |
| IRRRL Refinance | 0.50% | 0.50% | 0.50% |
| Cash-Out Refinance | 2.15% | 2.15% | 2.15% |
Note: Veterans with service-connected disabilities rated at 10% or higher are exempt from the VA funding fee. The funding fee can be financed into your loan amount.
Powerful VA Loan Advantages
Your military service earned you some of the best home loan benefits available anywhere.
No Down Payment Required
Purchase a home with $0 down payment – one of the most powerful benefits available to veterans.
No Private Mortgage Insurance
Never pay PMI, which can save hundreds of dollars per month compared to conventional loans.
Competitive Interest Rates
VA loans typically offer some of the best interest rates available in the mortgage market.
No Prepayment Penalties
Pay off your loan early without any penalties – save even more on interest over time.
Assumable Loans
Qualified buyers can assume your VA loan, which can be a powerful selling tool.
Reusable Benefits
Use your VA loan benefits multiple times throughout your lifetime for different properties.
Let's Bust Some VA Loan Myths
Don’t let these misconceptions keep you from using the benefits you’ve earned through your service.
Myth: "VA loans take forever to close"
Reality:
VA loans typically close in 30-45 days, similar to conventional loans. With proper preparation, they can close even faster.
Myth: "You can only use VA benefits once"
Reality:
VA loan benefits can be used multiple times. You can restore your entitlement or use remaining entitlement for additional purchases.
Myth: "VA loans are only for disabled veterans"
Reality:
VA loans are available to all eligible veterans, active duty service members, and qualifying spouses regardless of disability status.
Challenge: Limited Documentation
Reality:
With proper pre-approval and an experienced lender, sellers welcome VA offers. Many understand the benefits of working with military buyers.
Myth: "VA loans have strict property requirements"
Reality:
VA property requirements focus on safety and habitability. Most homes that pass a standard inspection will meet VA requirements.
Myth: "You need perfect credit for VA loans"
Reality:
VA loans have no minimum credit score requirement from the VA. Many lenders approve borrowers with scores as low as 580-620.
VA Loan Eligibility
Understand if you qualify for VA loan benefits based on your military service.
Veterans
- 90 days active duty during wartime
- 181 days active duty during peacetime
- 6 years in National Guard or Reserves
- Discharged under conditions other than dishonorable
Active Duty
- 90 days continuous active duty
- Currently serving on active duty
- Meet minimum service requirements
- Good military standing
National Guard & Reserves
- 6 years of service in Guard/Reserves
- Discharged honorably
- Called to active duty for 90+ days
- Meet character of service requirements
Surviving Spouses
- Spouse died in service or from service-connected disability
- Not remarried (with some exceptions)
- Received DIC or pension benefits
- Meet lender qualification requirements
Your VA Loan Process
I’ll guide you through every step of the VA loan process with the respect and service you deserve.
Get Pre-Approved
Secure your VA loan pre-approval to shop with confidence and strengthen your offers.
- Submit VA loan application
- Provide income and asset documentation
- Review credit and financial profile
- Calculate maximum loan amount
- Receive pre-approval letter
Verify Your VA Eligibility
Confirm your military service qualifies you for VA loan benefits and obtain your COE.
- Review your military service history
- Gather DD-214 or service records
- Apply for Certificate of Eligibility
- Verify any previous VA loan usage
- Understand your available entitlement
Find Your Home
Shop for homes that meet VA property requirements with your pre-approval in hand.
- Work with VA-experienced real estate agents
- Ensure properties meet VA standards
- Make competitive offers with VA financing
- Negotiate seller-paid closing costs
- Schedule VA appraisal and inspection
Close on Your Home
Complete the VA loan process and get the keys to your new home.
- Complete VA appraisal process
- Satisfy any loan conditions
- Review closing disclosure
- Attend closing and sign documents
- Receive keys and celebrate!
What Clients Are Saying
Real Stories. Real Results. People trust me because I listen, explain things clearly, and make the process smooth.
VA Loan Questions Answered
Get answers to the most common questions about VA loan benefits and the process.
What is a VA Certificate of Eligibility (COE) and how do I get one?
A COE proves your eligibility for VA loan benefits based on your military service. You can obtain it online through VA.gov, through your lender, or by mail. I can help you get your COE quickly through the lender portal during your application process.
What is the VA funding fee and can it be waived?
The VA funding fee helps keep the VA loan program running and ranges from 0.50% to 3.30% of the loan amount depending on the loan type and down payment. Veterans with service-connected disabilities rated at 10% or higher are exempt from this fee. The fee can be financed into your loan.
Can I use a VA loan to buy a second home or investment property?
VA loans are for primary residences only. However, you can use your VA benefits multiple times for different primary residences throughout your lifetime. There are some exceptions for military families with PCS orders.
How many times can I use my VA loan benefits?
You can use your VA loan benefits multiple times. You can restore your full entitlement by paying off the previous VA loan and selling the property, or you may have remaining entitlement to use for additional purchases.
What are VA loan limits and do they apply to me?
As of 2020, there are no VA loan limits for veterans with full entitlement. If you’ve used your VA benefits before and haven’t restored your entitlement, conforming loan limits may apply to the amount you can borrow without a down payment.
Can I put money down on a VA loan even though it's not required?
Yes! While VA loans don’t require a down payment, you can choose to put money down to reduce your loan amount, lower your funding fee, or strengthen your offer in competitive markets.
What if the home doesn't meet VA property requirements?
If the VA appraisal identifies issues, we can often negotiate with the seller for repairs, request a second appraisal, or look for alternative solutions. Most issues can be resolved without killing the deal.
Can my spouse use VA loan benefits if I'm not on the loan?
Surviving spouses of veterans who died in service or from service-connected disabilities may be eligible for VA loan benefits. Current spouses cannot use the veteran’s benefits independently, but the veteran can use their benefits to purchase a home with their spouse.
Have Questions on VA Loans?
Click below to access Educational Videos and Tools.
Veteran consultation • VA loan specialist • Honor your service with expert guidance
