VA Home Loans

$0 down for eligible veterans & service members, with no monthly mortgage insurance.

See today’s estimates Get Pre-Approved

Why VA?

$0 down for eligible borrowers
No monthly mortgage insurance
Flexible guidelines and competitive rates
IRRRL streamline refi for eligible VA borrowers

Eligibility at a glance

Valid VA entitlement / COE required
Primary residence only
Funding fee may apply unless exempt
Credit & income per VA/lender guidelines

Rate, APR & Payment (example)

Sample: $400,000, 30-yr VA fixed. APR may include the VA funding fee; note rate calculates P&I only. Taxes/insurance not included. Illustrative only; not a lock or commitment.

FAQs

Do I need a down payment?

Many VA purchases are $0 down for eligible borrowers.

Is there mortgage insurance?

VA has no monthly MI; a funding fee may apply unless exempt.

Can I refinance with VA?

Yes—IRRRL streamline and cash-out options exist for eligible borrowers.

Get pre-approved (VA)

Disclosures:

Eligibility and terms depend on VA entitlement, credit, income, property and market conditions. Underwriting approval required. Not a commitment to lend.