Purchase • Refinance
VA Home Loans
$0 down for eligible veterans & service members, with no monthly mortgage insurance.
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.