The benefit you earned — put it to work.
VA loans are backed by the Department of Veterans Affairs and remain the most powerful home loan in America. Zero down payment, no monthly mortgage insurance, and rates that consistently beat conventional pricing. We're proud to serve those who served.
- Active-duty service members
- Veterans with qualifying service history
- Certain National Guard and Reserve members
- Surviving spouses of eligible veterans
What makes va loans a smart choice.
Finance up to 100% of the purchase price — no down payment required.
Unlike FHA or low-down conventional loans, VA never charges monthly MI.
VA rates typically come in below comparable conventional pricing.
Your VA entitlement can be used more than once — and often restored after a sale.
The numbers at a glance.
Guidelines vary by lender and borrower profile — these are typical parameters. We'll run your exact scenario in minutes and give you a straight answer.
Talk to a Loan Officer| Down payment | $0 with full entitlement |
| Monthly MI | None — ever |
| Loan limit | No cap with full entitlement |
| Minimum FICO | 580+ (lender overlays vary) |
| Funding fee | 1.25% – 3.3% (waived for disabled veterans) |
| Occupancy | Primary residence only |
Simple, transparent, on time.
- 1Consult
We learn your goals and review your options.
- 2Pre-Approve
Full underwrite in 24–48 hours.
- 3Shop & Lock
Shop with confidence, lock your rate.
- 4Close & Fund
Close on time — often 21 days or less.
Questions, answered.
Do I need a Certificate of Eligibility (COE)?+
Yes, but we pull it for you in most cases within minutes of starting your application.
Can I use my VA loan more than once?+
Absolutely. You can restore full entitlement after selling a VA-financed home, or use remaining entitlement for a second VA loan.
What is the VA funding fee?+
A one-time fee (typically 2.15% for first use, 3.3% for subsequent) that can be financed into the loan. Veterans receiving VA disability are exempt.
Are there loan limits?+
Not with full entitlement — you can finance the full purchase price with no down payment on high-value California homes.