VA loans are available to:

• Active duty service members (after 90 continuous days)

• Veterans who meet length-of-service requirements

• National Guard or Reserve members with at least 6 years of service

• Surviving spouses of veterans who died in service or from service-related conditions​​​​

 

📌 Tip: You’ll need a Certificate of Eligibility (COE), which we can help you obtain.

Not at all. While lenders typically look for a credit score of 620 or higher, VA loans offer:

• More flexible credit requirements

• No minimum score required by the VA (though lenders may have overlays)

• Opportunities to qualify even with past credit challenges

VA loans allow eligible buyers to purchase a home without a down payment.

• You’re not required to put 5%, 10%, or 20% down like most conventional loans

• This gives veterans a huge head start toward homeownership

• You’ll still need to cover closing costs (though these can sometimes be negotiated)

Most VA home purchases close in 30–45 days, just like traditional loans. Factors that affect timing include:

• The lender’s speed

• How quickly documents are submitted

• Home inspection and appraisal timelines

• Title and underwriting

 

✅ Pro Tip: Working with a VA-experienced team (like us) helps everything move faster.

No! You can choose any VA-approved lender. However:

• Not all lenders specialize in VA loans

• Some charge higher rates or fees than others

• We work closely with trusted VA-experienced lenders to simplify the process and help you shop your options

Yes — VA loans are reusable.

• You can use it multiple times throughout your life

• You can even have more than one VA loan at the same time (with remaining entitlement)

• If you’ve paid off a VA loan in full, you can restore your full entitlement

The main additional cost is the VA funding fee, which helps keep the program running.

• It’s a one-time fee (typically 1.4%–3.6% of the loan)

• Many buyers roll it into the loan so it doesn’t require upfront cash

• Veterans with a disability rating of 10% or more are often exempt from the fee

Yes — it’s possible with the right setup:

• No down payment if you’re eligible

• If the seller covers closing costs or you use gift funds or assistance, you may bring little or nothing to closing

• We help negotiate terms that reduce your upfront costs

It depends:

• The home must meet minimum property requirements (MPRs)

• Major repairs (roof, foundation, HVAC) could disqualify it

• VA renovation loans do exist, but they are less common and harder to process

• In most cases, the property should be move-in ready

You can start the VA home buying journey in less than 60 seconds:

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1. Click Get Started

2. Answer a few simple questions about your service and goals

3. Our team will reach out to guide you step by step