VA Loans
The earned benefit that gives veterans and service members the best financing on the table.
VA Loan at a Glance
What Is a VA Loan?
VA loans exist to help American veterans, active-duty service members, and certain surviving spouses buy homes with financing they've earned through their service. The loans are issued by regular qualified lenders but guaranteed by the U.S. Department of Veterans Affairs — and that guarantee is what makes the terms so favorable.
The process starts with eligibility. The VA determines whether you qualify and issues a Certificate of Eligibility, which you bring to the lender of your choice. From there, qualifying is generally easier than with a conventional loan, and the benefits are substantial.
Who a VA Loan Is For
If you have served and meet the VA's service requirements, this loan was built specifically for you — eligible veterans, active-duty military, National Guard and Reserve members, and some surviving spouses.
Backed by the VA Guarantee
The VA guarantee lets lenders offer terms civilians simply can not get.
No Down Payment
Most eligible borrowers can finance 100% of the purchase price.
Easier to Qualify
Generally easier to qualify for than a conventional loan.
Built for Long-Term Financing
Designed for long-term financing, with the veteran's interests in mind.
Your Choice of Lender
Take your Certificate of Eligibility to the qualified lender of your choice.
No Monthly Mortgage Insurance
VA loans do not carry the monthly mortgage insurance conventional and FHA loans require.
Today's VA Rates
National average rate for 30-year fixed VA loans.
Source: Optimal Blue (OBMMI) via FRED. As of June 10, 2026.
Rates shown are a national benchmark average (Optimal Blue Mortgage Market Indices, via the Federal Reserve Bank of St. Louis) and are for informational purposes only. They are not an offer, quote, or commitment to lend, and do not reflect any specific borrower scenario, points, fees, funding fee, or APR. Contact us for a personalized rate quote.
Estimate Your VA Payment
VA loans allow $0 down for eligible borrowers. Adjust the numbers to model your payment — your real rate comes from your application.
This is an estimate for planning purposes only — not a rate quote, loan offer, or commitment to lend. Your actual rate and payment depend on your full application. Contact us for a personalized quote.
How the Process Works
From eligibility to closing day, here is what to expect.
Get Your Certificate of Eligibility
We help you obtain your COE from the VA, which confirms your entitlement and service eligibility.
Get Pre-Approved
We review your credit, income, and goals, then issue a pre-approval so you know your budget.
Find Your Home
Make offers backed by a real pre-approval. Sellers take you more seriously when your financing is lined up.
Underwriting & VA Appraisal
The lender verifies your details and orders a VA appraisal. Our in-house processing keeps this moving.
Close
Sign your final documents, fund the loan, and get the keys. We are with you through the final signature.
Eligibility
Eligibility is determined by the VA based on your service history. Qualifying applicants receive a Certificate of Eligibility to submit to their chosen lender. Beyond service requirements, lenders still review your credit and income — the VA guarantee helps, but it doesn't replace basic underwriting.
What Our Clients Say
“Don was incredible to work with throughout my entire home-buying process as a first-time buyer. He was always quick to respond, happy to run different numbers for me, and consistently helped me stay on top of my timelines and due dates.”
Cailyn Hankins
Google Review
FAQs
VA Loan FAQs
The VA issues a Certificate of Eligibility (COE) to qualifying applicants. You request it from the VA, then hand it to your lender as part of the application. Your lender can often help you obtain it.
In many cases, yes. The benefit is not always a one-time use. The specifics depend on your remaining entitlement and whether prior VA loans have been paid off — your lender can walk you through your situation.
No. VA loans are issued by ordinary qualified lenders — you choose who you work with. The VA's role is guaranteeing the loan, not originating it.
Generally, yes. The VA guarantee reduces the lender's risk, which typically translates to more accessible terms. You still need to meet the lender's credit and income standards, but the bar is often more forgiving.
Let's find the right loan for you
Get pre-approved in minutes, or talk it through with a local loan officer first.