VA

A benefit earned through service: guaranteed by the Department of Veterans Affairs.

What makes it different

No down payment required in most cases
No monthly mortgage insurance
A one-time VA funding fee, which disabled veterans receiving compensation don't pay
Limits on the closing costs a veteran can be charged

Eligibility

Eligibility depends on length and type of service. You'll need a Certificate of Eligibility, which we can usually request for you online. Surviving spouses may also qualify.

Good to know

VA loans can be used more than once. The home must be your primary residence, and the VA appraisal checks minimum property requirements.

Reviewed by Mustafa Temiz, CPA, NMLS #2450795 · Updated November 2026

Talk to someone who reads tax returns for a living

A short pre-application takes about five minutes. We call you back, look at your numbers and tell you plainly which loan programs fit.

Apply now or call (949) 624-4500