You served the country.
This loan returns the favor.
Earned through military service and backed by the Department of Veterans Affairs, VA loans offer what no other mainstream mortgage can: zero down payment, no monthly mortgage insurance, and consistently competitive rates.
$ 0 Down Payment
Finance 100% of the home’s value. No years of saving required to get the keys.
🚫 No Monthly PMI
Conventional buyers with less than 20% down pay mortgage insurance every month. VA buyers don’t — ever.
📉 Competitive Rates
Government backing means lenders can offer rates that routinely beat conventional pricing. See today’s rates →
Who’s eligible?
Veterans, active-duty service members, National Guard and Reserve members meeting service requirements, and many surviving spouses. Not sure where you stand? We’ll help you obtain your Certificate of Eligibility (COE) at no cost.
The VA funding fee, explained
Instead of monthly insurance, VA loans charge a one-time funding fee that can be rolled into the loan. Veterans with a service-connected disability rating of 10% or higher are fully exempt.
| Loan type | First use | After first use |
|---|---|---|
| Purchase, less than 5% down | 2.15% | 3.30% |
| Purchase, 5–9.99% down | 1.50% | 1.50% |
| Purchase, 10%+ down | 1.25% | 1.25% |
| IRRRL streamline refinance | 0.50% | 0.50% |
2026 rates. Disability-rated veterans (10%+) pay no funding fee.
Already have a VA loan?
The VA IRRRL (Interest Rate Reduction Refinance Loan) is one of the fastest, cheapest refinances in existence — minimal paperwork, often no appraisal, and just a 0.5% funding fee. Learn more on our refinance page.
Your benefit is waiting. Let’s use it.
Talk to a loan expert who knows VA lending inside and out — eligibility, COE, funding fee exemptions, all of it.
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