VA LoansHonoring Your Service
Exclusive benefits for veterans, active military, and eligible spouses. Buy a home with $0 down and no monthly mortgage insurance.
VA Loan Benefits
Thank you for your service. VA loans offer exceptional benefits that can save you thousands of dollars over the life of your loan.
Zero Down Payment
100% financing available - no down payment required
No PMI
No monthly mortgage insurance premiums ever
Competitive Rates
Typically lower than conventional loan rates
Flexible Credit
More lenient credit requirements
Who Qualifies for a VA Loan?
Veterans
You may be eligible if you served:
- • 90 consecutive days of active service during wartime, or
- • 181 days of active service during peacetime, or
- • 6 years in the National Guard or Reserves, or
- • Meet specific service requirements for discharged service members
Active Duty Service Members
After 90 days of continuous active duty service (181 days during peacetime)
National Guard & Reserve Members
After 6 years of service in the Selected Reserve or National Guard
Surviving Spouses
Unremarried surviving spouses of veterans who died in service or from service-connected disabilities
Not sure if you qualify? Check your eligibility online:
Check VA EligibilityUnderstanding the VA Funding Fee
While VA loans don't require mortgage insurance, there is a one-time funding fee that can be financed into your loan.
Typical VA Funding Fee Rates
0% down
0% down
10%+ down
Good News: Veterans with service-connected disabilities and surviving spouses are exempt from the VA funding fee.
Ready to Use Your VA Benefit?
Let us help you take advantage of this valuable benefit. Our VA loan specialists are here to guide you through the process.