VA Home Loan

A powerful home loan for Veterans

The Veterans Administration (VA) offers one of the most flexible loan programs for eligible* Veterans. No down payment financing is available. For eligible homebuyers with full entitlement, there are no loan limits. For homebuyers with less than full entitlement, conforming loan limits apply.

Debt-to-income ratios are also flexible and include consideration for geographic location, family size, and residual income.




  • A down payment is not required.
  • There is no mortgage insurance requirement.
  • Qualifying conditions are less stringent.
  • No loan limits for eligible homebuyers with full entitlement.




  • A VA funding fee is required.
  • Veterans are responsible for closing costs and prepaid items.
  • VA loans are for purchases of primary residences only.

*For information on how to secure a Certificate of Eligibility (COE), visit here.


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