Home Loans for Heroes
Exclusive VA loan benefits for veterans, active military, and eligible surviving spouses. No down payment, no PMI, competitive rates from 5.00%.
Exclusive VA Loan Benefits
No Down Payment
100% financing available for qualified veterans
0% downNo PMI Required
Save hundreds per month - no private mortgage insurance
Save $100-300/moLower Interest Rates
VA loans typically offer better rates than conventional
From 5.00%Flexible Credit
More lenient credit requirements for veterans
Flexible termsWhy Choose a VA Loan?
No Down Payment
Finance up to 100% of the home value
No Monthly PMI
Unlike conventional loans below 20% down
Competitive Rates
Lower rates than most conventional loans
Flexible Guidelines
More forgiving credit and debt ratios
Seller Concessions
Seller can pay up to 4% closing costs
Assumable Loans
Buyers can take over your VA loan
Who Qualifies for VA Loans?
VA home loans are available to veterans, active-duty service members, National Guard, Reserves, and eligible surviving spouses.
Veterans
- 90 consecutive days of active service during wartime
- 181 days of active service during peacetime
- 6 years in National Guard or Reserves
- Discharged under conditions other than dishonorable
Active Duty
- Served at least 90 continuous days
- Currently on active duty
- Received honorable discharge
- Certificate of Eligibility from VA
Surviving Spouses
- Spouse died in service or from service-connected disability
- Receiving DIC benefits
- Not remarried (with exceptions)
- Valid Certificate of Eligibility
National Guard
- Completed 6 years of service
- Discharged honorably
- Currently serving with 90 days active duty
- Retired from Guard or Reserves
VA Loan Limits (2024)
Standard Limit
$766,550
Most counties nationwide
High-Cost Areas
$1,149,825
Expensive metros (NYC, SF, LA)
No Limit (Full Entitlement)
No Cap
With full entitlement, no limit on loan amount
* Veterans with full entitlement can borrow more than the county limit without a down payment, subject to lender approval and debt-to-income requirements.
VA Funding Fee
The VA funding fee helps keep the program running for future veterans. It can be financed into your loan.
| Scenario | First-Time Use | Subsequent Use | Notes |
|---|---|---|---|
| VA Funding Fee | 2.15% | 3.30% | Can be financed into loan |
| With 5% Down | 1.50% | 1.50% | Lower fee with down payment |
| With 10%+ Down | 1.25% | 1.25% | Lowest fee tier |
| Disabled Veterans | Exempt | Exempt | No funding fee if receiving disability |
Thank You for Your Service
Let us help you achieve homeownership with the benefits you've earned. Apply for your VA loan today.