Loan Options
VA Loans
“Earned benefits for those who served.”
VA loans are mortgages guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses. For those who qualify, a VA loan can offer 0% down and no monthly mortgage insurance.
Who it may be a good fit for
- Eligible veterans and active-duty service members
- National Guard and Reserve members who meet service requirements
- Certain surviving spouses of veterans
Key things to know
- You'll need a Certificate of Eligibility (COE) to confirm your entitlement
- A one-time VA funding fee may apply, though some borrowers are exempt
- The home must be your primary residence
What you'll typically need
- Certificate of Eligibility (I can help you request it)
- Recent pay stubs and income documentation
- Bank and asset statements, plus photo ID
Curious what the monthly payment might look like? Try my free mortgage calculator.
Last reviewed: July 2026. This page is general education, not a loan approval or commitment to lend; program details vary by lender and can change. Learn more from U.S. Department of Veterans Affairs.
Good to Know
VA Loans FAQs
Do VA loans really require no down payment?
For eligible borrowers, VA loans can offer 0% down — one of their biggest benefits — along with no monthly mortgage insurance.
What is the VA funding fee?
It's a one-time fee that helps sustain the program. The amount varies, and some veterans (for example, those with a service-connected disability) may be exempt.
Can I use my VA benefit more than once?
Often, yes. VA entitlement can typically be reused, and in some cases used for more than one loan. We'll review your specific entitlement.
See why so many homebuyers trust Stef with their home financing.
Read Google Reviews →Let's Talk
Have a question? Let's figure it out together.
No pressure, no obligation — just honest guidance.