Your Earned Benefit. Zero Down, No PMI.
We honor those who served with the best mortgage benefit available. Competitive rates, flexible credit, and a team that understands your service.
A mortgage benefit designed exclusively for those who served.
The VA backs your loan, reducing lender risk and securing you more competitive interest rates than conventional mortgages.
Borrow 100% of the property's value. We help veterans achieve homeownership faster without substantial savings.
Save thousands over the life of your loan. VA loans don't require private mortgage insurance, even with zero down.
Our team secures rates that reflect the strength of your VA guarantee. Typically lower than conventional loans.
We work with diverse credit profiles. Your service matters. Our underwriters understand VA lending nuances that others miss.
Buy your full home value without a down payment, a privilege earned through your service.
Skip private mortgage insurance entirely. Save $100–$200+ monthly compared to conventional loans.
Our rates reflect VA program strength. We lock in the best available terms for you.
Pay off your loan early without fees. Refinancing or extra payments save you interest freely.
Use your VA benefit multiple times. Trade up, buy again, or refinance throughout your life.
You've earned this benefit through your service. Let's confirm your eligibility.
Wartime: 90+ consecutive days
Peacetime: 181+ consecutive days
Full entitlement available once on active duty long enough.
Honorably discharged? You likely qualify for full VA loan benefits. No time limit applies.
Other than honorable discharge requires review.
Six+ years of service qualifies you for VA benefits.
Shorter service may provide partial entitlement.
If your spouse died in service or from service-related disability, you may have full eligibility.
Eligible surviving spouses can use this benefit for one property.
You'll need a Certificate of Eligibility to apply. The COE proves your service and confirms your entitlement amount. Alex helps you obtain this—it's usually free and processed quickly through the VA or Veterans Service Organizations. We'll guide you step-by-step.
A one-time fee paid at closing. Typical range: 1.4% to 3.6% of the loan amount.
| Borrower Type | First Use (0% Down) | First Use (5%+ Down) | Subsequent Use (0% Down) | Subsequent Use (5%+ Down) |
|---|---|---|---|---|
| Active Duty | 2.3% | 1.65% | 3.6% | 2.55% |
| Veterans | 2.3% | 1.65% | 3.6% | 2.55% |
| National Guard/Reserves | 2.4% | 1.75% | 3.6% | 2.55% |
| Surviving Spouse | 0.0% | 0.0% | N/A | N/A |
Funding fees can be rolled into your loan amount. Service-disabled veterans may be exempt. Rates subject to VA guidelines and current policy.
Alex's expertise and our team's veteran-focused process.
Alex has closed hundreds of VA loans. She understands VA appraisals, entitlement calculation, COE requirements, and the nuances that make veteran lending different. You get expert guidance every step.
Four straightforward steps from eligibility to your keys.
Confirm your service qualifies for VA benefits. We'll review your military history and service dates.
Get your Certificate of Eligibility. Alex guides you through the VA portal or works with your VSO.
We review credit, income, and debt. Lock in your rate and borrowing power. Full transparency on terms.
Find your home, finalize appraisal, and close. Our efficient process gets you into your home fast.
Common questions about VA loans answered.
Yes! Your VA loan benefit is reusable for life. After your first loan is paid off or you move, you can use it again. Some veterans carry an "assisted by VA" status on multiple properties simultaneously. Alex helps you maximize this lifetime benefit.
VA loans are designed with flexibility. While we do review credit, the VA program is more forgiving than conventional lending. Past hardship, late payments, or lower scores don't automatically disqualify you. Alex works with your full financial picture and has closed loans for veterans with credit challenges others turned away.
VA appraisals typically take 7–14 days. They're thorough because the VA guarantees the loan, ensuring the property is sound. Our process minimizes delays by ordering appraisals early and coordinating with VA appraisers. Alex's experience keeps timelines tight and communication clear.
Absolutely. Active-duty service members who have served 90+ days in wartime or 181+ days in peacetime can access VA loans. We manage timing, underwriting, and lender coordination to ensure a smooth process even with active duty status and frequent moves.