For Veterans & Military

VA Loans

Zero down payment, no mortgage insurance, and competitive rates for those who have served our country.

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VA Loans for Veterans and Military Families

Benefits of VA Financing

VA loans are one of the most powerful mortgage benefits available, offering significant savings and flexibility for eligible service members and veterans.

$0 down payment required
No monthly mortgage insurance
Competitive interest rates
Flexible credit requirements
No prepayment penalties
Assumable mortgages

VA Loan Eligibility

Service Requirement 90+ days active duty
National Guard/Reserve 6+ years service
Credit Score No minimum (varies by lender)
Down Payment $0 required
Funding Fee 1.4% - 3.6%

VA Loan Calculators

See what your monthly payment could look like with a VA loan. No mortgage insurance, $0 down payment, just the VA funding fee.

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Veterans with a service-connected disability rating may be exempt from the funding fee. Click EXEMPT if this applies to you.

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Estimated Monthly Payment

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Principal & Interest ${calculated.monthlyPI.toLocaleString()}
Property Tax ${calculated.monthlyTax.toLocaleString()}
Home Insurance ${calculated.monthlyInsurance.toLocaleString()}
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HOA Dues ${calc.hoa.toLocaleString()}
Mortgage Insurance $0
Loan Amount ${calculated.loanAmount.toLocaleString()}
Down Payment ${calculated.downPaymentAmount.toLocaleString()}
VA Funding Fee {calculated.fundingFeePercent > 0 ? `(${calculated.fundingFeePercent}%)` : '(Exempt)'} ${calculated.fundingFee.toLocaleString()}
Total Loan Amount ${calculated.totalLoanAmount.toLocaleString()}

This calculator is for informational purposes only. Results are estimates and are not exact — they do not include all closing costs, prepaid interest, or escrow deposits. Contact us for a personalized quote.
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Mortgage Knowledge Center

Common VA Loan Questions

Straight answers to the questions veterans ask us most — from zero-down eligibility and credit to income, documents, refinancing, and how VA compares to conventional.

What Is a VA Loan? Who Qualifies for a VA Loan? What Credit Score for a VA Loan? Are VA Loans Really Zero Down? What Is the VA Funding Fee? Who Is Exempt from the Funding Fee? What Is a Certificate of Eligibility? How Does VA Entitlement Work? What Is VA Residual Income? What Debt Ratio Does VA Allow? Can I Use Gift Funds on a VA Loan? How Does VA Calculate Student Loans? Can I Qualify After Bankruptcy? How Long After Foreclosure for VA? Can I Buy After a Short Sale? Can I Finance a Manufactured Home With VA? Can I Refinance With a VA Loan? What Is a VA IRRRL (Streamline Refinance)? What Is a VA Cash-Out Refinance? Does VA Require Reserves? Can I Qualify With Collections on VA? Can I Qualify With Low Credit on VA? Can Overtime Count for a VA Loan? Can Commission Count for a VA Loan? Can I Qualify With Part-Time Income on VA? What Documents Are Required for a VA Loan? Is VA Better Than Conventional?

2MG Daily

Latest VA Insights

Recent articles from our blog covering VA loans, entitlement, and veteran homebuying tips.

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VA

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