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VA Loans

Honor Your Service with Zero Down Payment Home Ownership

Affordable Home Financing. This is a Veterans Administration (VA) insured loan available to Veterans of the Armed Forces. It allows for 100% financing, allowing a veteran to purchase a home with no money down and pay for closing expenses afterward. The VA charges an up-front funding fee (which can be financed into the loan) that varies based on whether or not it is the borrower’s first time getting a VA mortgage. This program is ideal for Veterans looking for the most cost-effective and affordable home loan financing.

Why Choose a Veterans Administration Home Loan?

  • Available exclusively to eligible veterans, active-duty service members, and certain military spouses
  • More flexible debt-to-income guidelines compared to many other loan programs
  • No down payment required in most cases
  • One-time VA funding fee applies, but no monthly mortgage insurance
  • Funding fee is waived for veterans with a service-connected disability rating of 10% or more
  • Access to a simplified VA Streamline Refinance (IRRRL) with minimal documentation and no appraisal in many cases
  • Must meet VA eligibility and entitlement guidelines
FAQs

VA Loans FAQs

Do I really qualify for a VA loan with zero down payment?
If you’re an eligible veteran, active-duty service member, or qualifying surviving spouse, yes—you can purchase a home with no down payment required. This benefit allows you to keep your savings for moving costs, furniture, or emergency funds while still becoming a homeowner.
The VA funding fee is a one-time cost that helps keep the program running for future veterans, but the good news is you can finance it directly into your loan so you don’t need cash at closing. Additionally, veterans with service-connected disabilities are exempt from this fee entirely, making homeownership even more affordable.
Absolutely! Your VA loan benefit can be used multiple times throughout your lifetime. Once you’ve paid off your previous VA loan or sold that property, your full entitlement is restored and you can use it again to purchase another home.
The VA streamline refinance (IRRRL) allows you to refinance your existing VA loan with no appraisal, no income verification, and minimal paperwork. This means you can lower your interest rate and monthly payment quickly and easily, often without any out-of-pocket costs.
Testimonials

Why We Chose VA Loans

-The Hicks Family

"I moved across the country for a new job opportunity in Southern Utah. As I didn’t know any local lenders, my realtor recommended I use Becky for my VA loan. I am glad I did. She and her team kept me very informed and I felt like they were very organized. This helped take some off the load of for me during the big move. I would definitely recommend them to my family and friends!"

Why We Chose VA Loans

-The Hicks Family

"I moved across the country for a new job opportunity in Southern Utah. As I didn’t know any local lenders, my realtor recommended I use Becky for my VA loan. I am glad I did. She and her team kept me very informed and I felt like they were very organized. This helped take some off the load of for me during the big move. I would definitely recommend them to my family and friends!"

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