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For Veterans, Active Duty & Reserve/Guard

You May Already Qualify for a Cheaper Mortgage Payment Than Your Rent

Most eligible veterans and service members don't realize a $0-down VA loan can cost less up front and less monthly than their current rental. Find out in 2 minutes.

Check My VA Eligibility Free · 2-minute quiz · No credit pull
$0 Down Payment No Monthly Mortgage Insurance Seller Can Pay Closing Costs Licensed in FL, GA & VA
The Awareness Gap

Renting Is Costing You More Than You Think

Most eligible veterans and service members have never had the VA loan program explained to them. That's costing them money every month they keep renting.

1

You Might Not Even Know You're Eligible

Many veterans, active duty, and reservists were never told the VA loan program applies to them. Some served years ago and assume it "expired." It doesn't. Your VA home loan benefit is a lifetime benefit — and in many cases you can use it more than once.

2

Renting Often Costs MORE Up Front Than Buying with VA

To rent, you usually need first month + security deposit, and many landlords now require last month too — often thousands of dollars out of pocket. A VA loan is $0 down, and sellers are allowed to pay your standard closing costs plus contribute an additional up to 4% toward your funding fee, prepaid taxes and insurance, and even paying off some of your existing debts.

3

The Monthly Payment Can Be Lower Too

VA loans typically offer lower interest rates than Conventional, and require zero monthly mortgage insurance — a savings alone that can be hundreds of dollars per month. In many markets, an owned home's monthly payment ends up comparable to or lower than your current rent — except now you're building equity.

How It Works

Three Steps to Know Where You Stand

You don't need to talk to anyone until you're ready. Get the numbers first, then decide.

1

Quick Eligibility Check

Answer a handful of questions about your service and finances. Takes about 2 minutes. No credit pull, no obligation. See at a glance whether VA is on the table for you.

2

See Your Real Numbers

Get a side-by-side view of your estimated monthly VA mortgage payment vs. what you're paying in rent right now. Many veterans are surprised at how close — or lower — the numbers actually come out.

3

Next Steps, On Your Timeline

If the numbers make sense, a licensed VA specialist reviews your profile within 24 hours and walks you through what a real pre-approval would look like — no pressure, no commitment.

Start My Free Eligibility Check No credit pull · Takes about 2 minutes
The VA Program, Explained

Why the VA Loan Is the Best Mortgage in America

These aren't sales points — they're the real terms of the program, backed by the Department of Veterans Affairs and available to those who've earned them.

$0 Down Payment

Eligible buyers can finance 100% of the purchase price — no down payment required. You can still choose to put money down if you want to reduce your loan amount and lower your monthly payment, but it's never required.

No Monthly Mortgage Insurance

Unlike FHA (mortgage insurance for at least 11 years, often longer) or Conventional (PMI until 20% equity), the VA program has zero monthly mortgage insurance — often saving hundreds per month, and even more on higher loan amounts.

Qualifies on Residual Income

Unlike FHA and Conventional loans that rely on Debt-to-Income ratios, VA uses residual income — the money left after housing and debts. This can approve borrowers other programs would reject.

Sellers Can Cover Closing Costs + More

On VA loans, sellers can pay your standard closing costs (loan origination, appraisal, title work, etc.) — and on top of that, contribute up to 4% of the sales price toward extras: your VA funding fee, prepaid taxes and insurance, HOA dues, and even paying off some of your existing debts to help you qualify. A well-structured offer can dramatically reduce your cash to close.

Lifetime Benefit — Reusable

Your VA home loan entitlement doesn't expire. Most eligible borrowers can use it multiple times — subsequent-use funding fees are slightly higher, but the benefit itself never goes away.

Funding Fee, Explained

A one-time fee (typically 2.15% first use / 3.30% subsequent, lower with down payment). Waived entirely for veterans receiving VA disability compensation at any rating, Purple Heart recipients, and surviving spouses receiving DIC.

Property Tax Relief for 100% Disabled Veterans

Veterans rated 100% service-connected disabled may qualify for major property tax relief on their primary residence — a full ad valorem exemption in Florida and Virginia, and a substantial partial exemption in Georgia (over $121,000 of assessed value in 2025). Exact eligibility and application steps vary by county.

What Makes Our VA Process Different

Six ways we advocate harder for you than a typical lender

  • VA-first approach. We lead with VA — not treat it as an afterthought.
  • Residual income analysis. We qualify you the way VA intends, not just by DTI.
  • Funding fee refund awareness. If you have a pending disability claim, we track it — you may be entitled to a full refund after closing.
  • Seller concession coaching. We help you structure offers that get the seller to cover your closing costs, up to the 4% VA limit.
  • Fast COE handling. We help pull your Certificate of Eligibility as part of the process — no hunting through VA.gov on your own.
  • Below-580 review pathway. Credit under 580? We'll still review your file and provide a roadmap to get you loan-ready.
Common Questions

Everything Veterans Ask

Do I really need $0 down for a VA loan?
Yes. The VA program allows eligible borrowers to finance 100% of the purchase price — no down payment required. You can choose to put money down if you want to reduce your loan amount and lower your monthly payment, but it's never required.
How does VA's residual income calculation help me qualify?
Most loan programs decide if you qualify by comparing your total monthly debts to your monthly income — that's the Debt-to-Income ratio. If you're above a certain percentage, you're denied.

VA works differently. Instead, it looks at your residual income — the actual dollars you have left each month after housing costs and debts are paid. If you still have enough to comfortably cover food, transportation, and other living expenses for your family size and region, you can qualify.

This is why veterans who were told "no" by other lenders often still qualify with VA. Try the eligibility calculator to see your estimate, then your loan specialist will finalize the numbers.
What is the VA funding fee, and can it be avoided?
The funding fee is a one-time charge that keeps the VA loan program running. Standard rates are 2.15% for first-time use and 3.30% for subsequent use with $0 down — lower with 5%+ down. The fee is completely waived if you receive VA disability compensation (at any rating, even 10%), are a Purple Heart recipient, or are a surviving spouse receiving DIC. Your loan specialist will confirm your exemption based on your Certificate of Eligibility.
Are property taxes really waived if I'm 100% disabled?
If you're rated 100% service-connected disabled, you may qualify for major property tax relief on your primary residence:

• Florida: Full ad valorem property tax exemption on your homestead
• Virginia: Full ad valorem property tax exemption on your homestead
• Georgia: Substantial partial exemption — over $121,000 of your home's assessed value (2025) is exempt from state, county, municipal, and school taxes. Any value above that is still taxable.

Exact eligibility and application steps vary by county. Your loan specialist can walk you through the details for your specific area.
Can I use my VA loan more than once?
Yes. Your VA entitlement is a lifetime benefit. Most eligible borrowers can use it multiple times — even if you've used it before and paid it off. If you still owe on a previous VA loan, you may have partial "remaining entitlement" you can still use. We'll check this for you during pre-qualification.
My credit isn't perfect. Can I still get a VA loan?
Very possibly. VA is one of the most forgiving loan programs available. Most VA lenders look for a 580 minimum credit score, but the VA itself doesn't set a minimum. And unlike Conventional and FHA loans, VA qualifies you on residual income (money left after housing and debts) — not just DTI ratios. Borrowers who get turned down elsewhere often qualify here. Your loan specialist can review your file and give you a roadmap.
How much cash do I really need at closing?
Sometimes very little — or nothing. On VA loans, sellers can pay your standard closing costs, and on top of that contribute up to 4% of the sales price toward your funding fee, prepaid taxes and insurance, and even to help pay off qualifying debts. A well-structured offer can mean you walk into a home for less cash out of pocket than a rental security deposit. Your loan specialist can help structure your offer to minimize what you bring to closing.
I served years ago (or am currently on active duty). Am I still eligible?
If you meet the VA's minimum service requirements, yes — the benefit doesn't expire. Veterans, active duty, Reserve, and National Guard members can all qualify. Surviving spouses of certain service members may also be eligible. The eligibility quiz will identify your specific pathway.
Does the VA lend the money directly?
No. Private lenders like us fund the loan — the VA guarantees a portion of it, which is why lenders can offer $0-down financing with no monthly mortgage insurance. You still work with a lender, but the VA's backing gets you the favorable terms.

Stop Guessing. Get Your Real Numbers.

Two minutes to find out if you can own for less than you're paying to rent. No credit pull. No obligation.

Check My VA Eligibility Free · 2-minute quiz · No credit pull
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