You served. This benefit is yours.
Zero down payment, no monthly mortgage insurance and limits on what you can be charged. The VA loan is the strongest mortgage benefit available, and it can be used more than once.
A benefit earned through service, guaranteed by the Department of Veterans Affairs.
The VA guarantees a portion of the loan, which lets lenders offer 100% financing without mortgage insurance. Rates are typically lower than conventional, and the VA limits closing costs the borrower can pay.
Who it fits
- Veterans with qualifying service history
- Active-duty service members
- National Guard and Reserve members with eligible service
- Eligible surviving spouses
- Veterans who have used the benefit before and want to use it again
Let’s find the right fit.
Apply now or talk through your options with Erick.
Why borrowers choose VA loans.
No down payment
Finance 100% of the purchase price with full entitlement, with no loan limit for most eligible borrowers.
No monthly MI
No private mortgage insurance and no monthly premium, which lowers the payment substantially.
Lower rates
VA rates are consistently among the lowest available for any loan type.
IRRRL refinance
The VA Streamline (IRRRL) lets you drop your rate with minimal paperwork and no appraisal in most cases.
Cash-out to 100%
Refinance and take cash out up to 100% of the home value in many cases.
Seller can pay costs
Sellers can contribute up to 4% in concessions plus all customary closing costs.
Typical requirements
Certificate of Eligibility (COE); Erick can pull this for you
Credit score typically 580 to 620 or higher, depending on lender
Property must be your primary residence
Sufficient residual income after monthly obligations
VA funding fee applies unless exempt (10%+ service-connected disability)
Guidelines vary by lender, program and property. Erick will confirm exact requirements for your file.
How it works
Quick call.
Ten minutes on the phone. You tell Erick the goal, he tells you the realistic options.
Pre-approval.
Send documents through a secure link. Most pre-approvals are issued the same day.
Lock and process.
Rate locked, file submitted, updates in plain English every step.
Close.
Sign with a remote online notary where available, or in person. Keys in hand.
VA loans FAQ
What is the VA funding fee?
A one-time fee that supports the program, usually 1.25% to 3.3% of the loan amount depending on down payment and prior use. It can be financed. Veterans receiving VA disability compensation are typically exempt.
Do I need a down payment?
No. With full entitlement you can finance 100% of the purchase price. A down payment lowers the funding fee if you choose to make one.
Can I use my VA loan more than once?
Yes. Entitlement can be restored after the previous VA loan is paid off, and in some cases you can have two VA loans at once.
Does the VA set a credit score minimum?
The VA does not. Most lenders look for around 580 to 620. Erick works with multiple investors to find the best fit.
Can I buy a multi-unit property?
Yes, up to four units, as long as you live in one of them.
Ready to talk numbers?
Call, email or send a quick message. Erick answers questions directly and tells you what fits, and what does not.
