Are you or your spouse an active military member, reserve member, or veteran?
Do you have a service-connected disability rating?
Do you receive monthly VA disability compensation?
How much do you receive monthly in VA disability benefits?
Are you a Purple Heart recipient or a surviving spouse of a service member?
Either status may qualify you for a VA funding fee exemption.
Have you used your VA home loan benefit before?
This affects your funding fee. First-time use has a lower rate.
Civilian Loan Options Available
Since you don't have military service, a VA loan won't apply — but we have excellent low-down-payment Conventional and FHA options to help you buy your home.
Where are you in the home buying process?
Will you be applying with a co-borrower?
What is your employment status?
What is your estimated gross annual income?
What is your estimated credit score?
Please fill the details below to see your options.
Profile Submitted!
Great news—Step 1 is complete! We've received your homebuyer profile. Would you like to input your liabilities now to calculate your purchasing power and unlock your initial pre-qualification estimate?
What is your co-borrower's estimated credit score?
What is your co-borrower's employment status?
What is your co-borrower's estimated gross annual income?
Input Your Liabilities
Review and adjust your monthly debts below.
Edit My Profile
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About VA's Residual Income Standard
Unlike Conventional or FHA loans, the VA's primary qualification standard isn't your DTI ratio — it's residual income (the dollars left after housing and debts to support your household). A veteran with a higher DTI can still qualify if residual income is strong, and your specialist can review compensating factors if needed.
💡 Possible Funding Fee Refund
If you have a pending VA disability claim with an effective date before your loan closing, you may be eligible for a full refund of your VA funding fee after the rating is granted. Mention any pending claims to your specialist.
💡 Seller 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. Your specialist can help you structure a strong offer.
💡 Reminder: BAH Counts as Income
If you didn't include your Basic Allowance for Housing (BAH) in your income, your purchasing power may be significantly understated. BAH is fully usable as qualifying income on VA loans. Edit your profile to add it.
🏠 Specially Adapted Housing (SAH) Grants
Veterans with certain severe service-connected disabilities (loss of limbs, blindness, certain conditions) may qualify for VA grants of up to ~$117,000 (SAH) or ~$23,000 (SHA) to build, buy, or modify a home for accessibility. Ask your specialist if you may qualify.
Important Note on Property Tax Exemptions for 100% P&T Veterans
Depending on the state you purchase in, you may be eligible for significant property tax relief on your primary residence:
- Florida & Virginia: Eligible veterans generally qualify for a full exemption of standard ad valorem property taxes.
- Georgia: Eligible veterans qualify for a partial exemption (a base amount of the home's assessed value, typically adjusted annually), so a portion of property taxes may still be owed.
Exemptions do not cover minor local "non-ad valorem" assessments (e.g., trash collection, fire rescue). Always verify exact exemption amounts, application deadlines, and local rules with the county tax assessor.
⚠ Important Notice — Credit Score Below 580
A credit score below 580 may limit your loan program options, as most VA-approved lenders require a minimum 580. You can still continue, and a specialist will review your full profile to explore available options and provide resources to help boost your score.
Application Submitted!
Your information has been sent to one of the Approved Mortgage Solutions loan specialists for review. You will be updated within the next 24 hours.