Veteran or Active Military
You've earned one of the most powerful mortgage benefits available. The VA loan offers zero down payment, no mortgage insurance, and competitive rates — and we'll make sure you use every advantage it provides.
Your VA Benefit, Fully Utilized
The VA home loan benefit is one of the most valuable financial tools available to those who have served. Yet many veterans don't fully understand what they're entitled to — or how to use it most effectively. That's where we come in.
At The Mortgage Zone, we have extensive experience with VA loan guidelines, eligibility requirements, and the Certificate of Eligibility process. We'll verify your entitlement, obtain your COE, and match you with VA-approved lenders offering the most competitive rates in our network.
Whether you're buying your first home, purchasing again with remaining entitlement, or refinancing with an IRRRL (Interest Rate Reduction Refinance Loan), we'll make sure you're getting every benefit you've earned.
VA Loan Advantages
- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates — often below market
- VA limits certain closing costs
- No prepayment penalty
- Reusable — can be used multiple times
- Funding fee waived for veterans with service-connected disability
VA Programs Available
- VA Purchase Loan — buy a primary residence
- VA Cash-Out Refinance — access your home equity
- VA IRRRL — streamline refinance to lower your rate
- VA Jumbo Loans — for high-value properties
- VA Renovation Loans — purchase + rehab financing
Who Qualifies for a VA Loan?
Service Requirements
- 90 consecutive days active duty during wartime
- 181 days active duty during peacetime
- 6+ years in National Guard or Reserves
- Discharge must be other than dishonorable
- Surviving spouses of qualifying veterans
Financial Guidelines
- No VA-set minimum credit score
- Most lenders require 580–620+
- Residual income requirement must be met
- DTI up to 41% standard; higher with residual income
- VA funding fee: 1.25–3.3% (financed into loan)
Property Requirements
- Primary residence only
- Must meet VA Minimum Property Requirements
- VA appraisal required
- Single-family, VA-approved condos, 2–4 units
- New construction eligible with conditions
You've Served — Now Let Us Serve You
We'll verify your eligibility, obtain your Certificate of Eligibility, and find the best VA loan rates available.
No credit pull required. NMLS #2697124
Ready to move forward? Get a free, no-obligation quote in under 2 minutes.