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Get a VA Loan with 0% Down for Veterans
- Shop 100+ lenders to find your best mortgage rate and get pre-approved in as little as 24hrs. • 0% down • No monthly PMI • Flexible lender guidelines • 10–21 day closing
- No impact on credit
- Takes 1 min
Is VA Loan Right for You?
In some cases, a conventional loan (insert link to conventional loans) may cost less over time, especially if the VA funding fee applies or if you have a strong credit profile and larger down payment.
Our VA LoanProgram May be Right for You If:
- are an eligible Veteran, active-duty service member, National Guard member, Reserve member, or qualifying surviving spouse
- want to buy a home with little to no down payment
- want to avoid monthly mortgage insurance
- already have a Certificate of Eligibility or need help getting one
- need a lender who understands VA entitlement, appraisals, and closing requirements
VA Loan Requirements 2026
To qualify for a VA loan, lenders usually look at:
• VA eligibility: You need a Certificate of Eligibility based on service history, duty status, or qualifying surviving spouse status.
• Occupancy: The home must generally be your primary residence.
• Credit profile: VA does not set one universal minimum credit score, but lenders may have their own requirements.
• Income and employment: You need stable, documented income that supports the mortgage payment.
• Debt and residual income: Lenders review monthly debts, income, and remaining household income after obligations.
• Entitlement: Your available VA entitlement affects how much you may be able to borrow with no down payment.
• Property type: VA loans can be used for eligible homes, including single-family homes and certain multi-unit properties, condos, manufactured homes, and new construction, depending on lender and VA rules.
• VA appraisal: The property must meet VA appraisal and minimum property requirements.
• Funding fee: Some borrowers pay a one-time VA funding fee, while eligible exempt borrowers may not have to pay it.
A Better VA Loan Experience: Serving Veterans and Military Families Since 1996
From pre-approval to closing, we help eligible Veterans, service members, and qualifying surviving spouses navigate the VA loan process with more clarity, stronger support, and fewer last-minute issues.
Other lenders/Banks
Other
Lenders shopped
100+
Limited to 1
Non QM Loans
Yes
Limited
Minimum credit score
550
640+
DTI Requirements
55%
43%
Fast-track Underwriting
Yes
No
Approval Rate
93%
Lower
Closing time
7-21 days
30 days
Dedicated Loan Officer
Yes
No
Availability
24/7
Limited
Average response time
<1hour
<1 day
Today's live rates
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30 years of 5-star mortgage service
For over 30 years, we've built our reputation on excellent service and a mortgage experience that puts borrowers first.
Frequently asked questions
What is a VA loan?
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs. It helps eligible Veterans, service members, National Guard members, Reserve members, and qualifying surviving spouses buy a primary residence with benefits such as no required down payment in many cases and no monthly mortgage insurance.
Who qualifies for a VA loan?
VA loan eligibility is based on service history, duty status, and other VA requirements. Eligible borrowers usually need a Certificate of Eligibility, also called a COE, and must meet lender requirements for credit, income, occupancy, and the full loan file.
Can you buy a home with 0% down using a VA loan?
Yes, eligible VA borrowers may be able to buy a home with 0% down, as long as the purchase price does not exceed the property’s appraised value and the borrower qualifies based on lender and VA requirements.
Does a VA loan require mortgage insurance?
No. VA loans do not require monthly PMI or FHA-style mortgage insurance. Some borrowers may still need to pay a one-time VA funding fee unless they qualify for an exemption.
What is the VA funding fee?
The VA funding fee is a one-time fee paid on many VA loans. The amount depends on the loan type, whether it is your first or subsequent use of the VA benefit, and your down payment amount. Some borrowers, including certain Veterans receiving VA disability compensation, may be exempt.
What credit score do you need for a VA loan?
VA does not set one universal minimum credit score, but lenders may have their own credit requirements. The best way to know what you may qualify for is to review your full file with a loan officer.
Can you use a VA loan more than once?
Yes. Eligible borrowers can use the VA loan benefit more than once. Your available entitlement, prior VA loan use, and whether entitlement has been restored can affect your next VA loan options.
Can you use a VA loan to buy a multi-unit property?
Yes, VA loans may be used to buy a property with up to 4 units if you meet VA and lender requirements and live in one of the units as your primary residence.
Is a VA loan better than an FHA loan?
Not always, but for eligible borrowers, VA loans can be a strong option because they may allow 0% down and no monthly mortgage insurance. FHA may still make sense in some situations depending on eligibility, property type, credit profile, and total loan costs.
Start Your VA Loan Pre-Approval
Start your pre-approval to view instant live rates and review the right mortgage path with a loan officer.
- No impact on credit
- Takes 1 min
- No docs needed
