VA Loans
VA loans: zero down for those who served.
If you're eligible, this is usually the best loan available. No down payment, no PMI, competitive rates.
Who it's for
- Veterans, active duty service members, and eligible surviving spouses
- Valid Certificate of Eligibility (COE) required
- No minimum credit score set by VA, though lenders typically look for 580–620+
Why it's the strongest option available
- 0% down payment in almost all cases
- No monthly mortgage insurance
- VA funding fee can be rolled into the loan
- Reusable benefit, not a one-time perk
What you'll need
Your COE, service history documentation, and standard income verification. We handle the VA-specific paperwork so it doesn't slow down your closing.
Frequently asked
Do I need a down payment for a VA loan?+
In almost all cases, no. Eligible veterans and active service members can finance 100% of the purchase price with no down payment.
What credit score do I need for a VA loan?+
The VA sets no minimum credit score, but most lenders look for 580 to 620 or higher. We'll tell you where you stand before you apply.
Is there mortgage insurance on a VA loan?+
No monthly mortgage insurance. VA loans charge a one-time funding fee that can typically be rolled into the loan amount.
Can I use my VA loan benefit more than once?+
Yes. The VA loan benefit is reusable, not a one-time perk. You can restore full entitlement after paying off a previous VA loan.
Contact
Talk to Our Team Directly
No call centers, no runaround. Reach out and get real answers on what you qualify for before you fall in love with a house.
Phone
302-600-3197Hours
Mon–Fri 9am–6pm · Sat by appointment
Serving
Delaware · Pennsylvania · Maryland · New Jersey