Loan Program
VA Loans
No down payment financing for eligible veterans, active-duty service members, and surviving spouses, with no private mortgage insurance and competitive terms for those who served.
What It Is
VA loans are a benefit earned through service, available to eligible veterans, active-duty service members, and qualifying surviving spouses financing a primary residence.
Program Details
VA Loans
- No down payment for eligible borrowers
- No private mortgage insurance (PMI)
- Competitive interest rates
- VA streamline (IRRRL) refinance available
You'll need a Certificate of Eligibility (COE) and to meet occupancy and property requirements. Funding fees may apply but can often be financed, and are meaningfully lower for IRRRL refinances. If you already have a VA loan, an IRRRL can lower your rate or payment with reduced documentation and, in most cases, no new appraisal.
Situation outside standard guidelines - renovation, manufactured housing, alternative documentation, home equity, or investor financing? Explore Specialty & Niche Programs.
Common Questions
About VA Loans
Educational only, not a loan offer or commitment to lend. Program terms, rates, and eligibility vary; talk with a loan officer for your file. NMLS #3446.