VA Loans
Zero down payment, no PMI, and competitive rates for those who have served our country.
VA loans are one of the most powerful mortgage programs available, and they're reserved exclusively for those who have served. Backed by the U.S. Department of Veterans Affairs, VA loans offer benefits that no other program can match: zero down payment, no private mortgage insurance, and interest rates that are typically lower than conventional alternatives.
Sarah has extensive experience with VA loans and understands the nuances that many lenders miss, from Certificate of Eligibility requirements to VA appraisal standards to the funding fee exemption process for disabled veterans. She works with lenders who specialize in VA financing and know how to close these loans efficiently.
VA Loan Benefits
Down Payment
$0
100% financing
PMI
None
No monthly MI ever
Credit Flexibility
Flexible
No VA minimum
Reusable
Yes
Multiple uses allowed
Frequently Asked Questions
Veterans, active duty service members, National Guard and Reserve members with qualifying service, and surviving spouses of veterans who died in service or from a service-connected disability. Eligibility is determined by your Certificate of Eligibility (COE), which Sarah can help you obtain.
Yes. VA loans offer 100% financing with no down payment required. This is one of the most significant benefits of the VA program and is not available through any other major loan program.
The VA Funding Fee is a one-time fee that helps fund the VA loan program. It ranges from 1.25% to 3.3% of the loan amount depending on your service type, down payment, and whether it's your first VA loan. The fee can be rolled into the loan. Certain veterans (those with service-connected disabilities) are exempt.
Yes. You can use VA loan benefits multiple times. If you've paid off a previous VA loan, you can restore your full entitlement. Even if you still have an existing VA loan, you may be able to use remaining entitlement for a second purchase.
Thank You for Your Service
Let Sarah help you use the benefits you've earned. VA loan pre-approval typically takes 24 hours.
Get Pre-Approved