Government
VA Loans
A benefit earned through service — zero down payment financing for eligible veterans and active military.
Overview
VA loans are backed by the Department of Veterans Affairs and offer eligible active-duty service members, veterans, and surviving spouses a path to homeownership with no down payment and no monthly mortgage insurance. It is one of the most powerful loan programs available, designed to reward those who have served. With competitive rates and flexible qualification, VA loans help military families achieve homeownership without the barrier of a large down payment.
Who It May Fit
Active-duty service members, veterans, National Guard, reservists, and qualifying surviving spouses.
Potential Benefits
- No down payment required
- No monthly mortgage insurance
- Competitive fixed and adjustable rates
- Lower out-of-pocket closing costs (sellers can pay eligible fees)
- Assumable by future qualified buyers
- No minimum credit score set by the VA
Important Considerations
- Requires a Certificate of Eligibility (COE)
- Funding fee applies (may be financed; reduced with down payment)
- Limited to primary residences
- Property must meet VA minimum property requirements
Next Step
Talk to Kahren Oxner
Founder & CEO
Connect with Kahren to review eligibility, structure, and next steps.