VA Purchase
Buy a home with no down payment. Available for single-family homes, condos, townhouses, and multi-unit properties (up to 4 units).
Serving those who served
Zero down. No PMI. Earned.
Competitive rates and DC-licensed loan officers — for the home loan benefit you earned through your service.
$0
Down payment
$0
Monthly PMI
$0
Prepayment penalty
VA loan benefits
Six advantages over conventional loans.
No down payment
100% financing — buy a home with $0 down. One of the most powerful benefits available to veterans.
No PMI
Unlike conventional and FHA loans, VA loans never require private mortgage insurance — one less line in your monthly payment.
Competitive rates
The U.S. Department of Veterans Affairs backs the loan, which is why VA pricing is typically competitive.
Limited closing costs
VA regulations cap what veterans can be charged at closing, and sellers can pay all of your closing costs.
Flexible credit
VA loans have more flexible underwriting guidelines than conventional loans, making homeownership more accessible.
No prepayment penalty
Pay off your VA loan early or make extra payments without any penalty fees.
Eligibility
Who's eligible?
You may be eligible for a VA loan if you meet one of the following service requirements:
- Served 90 consecutive days of active duty during wartime
- Served 181 days of active duty during peacetime
- At least 6 years of service in the National Guard or Reserves
- Spouse of a service member who died in the line of duty or from a service-related disability
- Currently serving on active duty
You'll need a Certificate of Eligibility (COE) from the VA. We can help you obtain this as part of the application process.
VA loan programs
Four ways to use the benefit.
VA Streamline (IRRRL)
Refinance your existing VA loan to a lower rate with minimal paperwork. No appraisal or income verification required in most cases.
VA Cash-Out Refinance
Tap into your home equity for home improvements, debt consolidation, or other financial needs. VA allows up to 100% of value, though many lenders cap it lower.
VA Jumbo
For purchases above standard conforming loan limits — common in higher-cost areas.
Ready to use your VA benefit?
As a mortgage broker, we shop your file across our lender network and show you what comes back. Pre-qualify in 2 minutes.