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Loan program

VA Loans

0% down for veterans and active military

VA loans reward military service with some of the strongest terms in the industry: no down payment, no monthly mortgage insurance, and highly competitive rates. If you served, this is usually the first program to check.

See if I qualifyCall (407) 443-9461
Who it suits

Who this is for

01Active-duty service members and veterans
02Eligible surviving spouses
03National Guard and Reserve members meeting service requirements
The upside

Why buyers choose VA Loans

01

0% down payment

Qualified borrowers can finance 100% of the purchase price. No years of saving required to get into a home.

02

No monthly PMI

Unlike FHA and low-down conventional loans, VA loans carry no monthly mortgage insurance, keeping your payment lower.

03

Competitive rates

VA rates are consistently among the lowest available because the loan is backed by the Department of Veterans Affairs.

04

Limits on closing costs

The VA restricts which fees veterans can be charged, and sellers can pay your closing costs.

Requirements

How to qualify

Typical guidelines. Your exact numbers come from the free 60-second check.

01Certificate of Eligibility (COE) - we can help you obtain it
02Satisfactory credit and income for the payment
03The home must be your primary residence
04VA funding fee applies for most borrowers (can be financed, waived for some disabled veterans)
Questions

Common questions

Usually, yes. VA entitlement can be restored or reused. We check your remaining entitlement as part of the free qualification review.

Keep looking

Explore other programs

01

FHA Loans

As little as 3.5% down, flexible credit

02

Conventional Loans

Flexible terms for strong credit profiles

03

First-Time Home Buyer

Your clearest path from renting to owning

Zero credit impact

See what you qualify for

Nine quick questions. Zero impact on your credit score. Real answers in about 60 seconds.

Check if I qualify

VA loans are guaranteed by the U.S. Department of Veterans Affairs. Eligibility is determined by the VA based on service history and duty status. Funding fee amounts vary by usage and down payment.