VA loans · $0 down for eligible veterans
VA-backed mortgages are designed to honor your service with no down payment for many eligible borrowers, no monthly mortgage insurance, and guidelines that recognize real-life service and deployment history.
VA loans are guaranteed by the U.S. Department of Veterans Affairs and offered by approved lenders. If you like to dig in first, the VA Loans Guide walks through eligibility, entitlement, funding fees, and how VA compares to other loan types.
NMLS #277954 • Success Mortgage Partners • VA loans are guaranteed by the U.S. Department of Veterans Affairs and offered by VA-approved lenders. Eligibility, entitlement, and credit requirements may vary.
Coaching insight
VA loans exist to open the door to homeownership for eligible veterans, active-duty service members, and certain surviving spouses. The program pairs strong benefits with guidelines that reflect the realities of military pay and moves.
Those who have served or are currently serving and meet VA service and eligibility requirements, looking to build stability through homeownership.
Eligible National Guard and Reserve members who meet minimum service thresholds and want to use their VA benefit.
Eligible surviving spouses of veterans who may qualify for VA home loan benefits under specific VA rules.
How it works
VA loans pair no-down-payment options with flexible credit and debt ratios. Instead of monthly mortgage insurance, most VA loans include a one-time funding fee that helps keep the program sustainable.
Exact service requirements, funding fee amounts, and credit guidelines are set by VA and individual lenders. We’ll walk through how they apply to you before you make decisions.
Property & occupancy
VA loans focus on homes you’ll live in as your primary residence. Within that, there is flexibility in the type of property and, in some cases, the number of units.
*IRRRL and other refinance options are available in certain situations. We’ll help you compare options if you already have a VA loan.
Cash to close
Even with $0 down, there are still closing costs to plan for. The good news: VA allows for a range of seller-paid costs and thoughtful ways to structure your cash to close.
VA and investor rules limit how much a seller can contribute. We’ll structure your offer and loan so the numbers are clear and realistic.
Quick answers
A quick snapshot of the questions that come up most often when we talk about VA loans, $0 down options, entitlement, and how VA compares to other loan types.
In many cases, yes. Eligible VA buyers can purchase with $0 down when they have sufficient entitlement and the home appraises for at least the purchase price. You’ll still have closing costs, but we’ll explore ways to reduce what you bring to the table.
Eligibility is based on your military service history and duty status. That can include many veterans, active-duty service members, certain National Guard and Reserve members, and some surviving spouses. We’ll help you review VA’s rules and confirm your eligibility.
The VA funding fee is a one-time cost that most borrowers pay to help keep the program running. The amount depends on factors like your down payment, service category, and whether you’ve used VA before. It’s often financed into the loan amount, and some veterans with qualifying VA disability ratings may be exempt.
In many cases, yes. Your VA benefit can often be reused after you sell or pay off a prior VA loan, and in some situations you can even have more than one VA loan at a time with remaining entitlement. We’ll look at your COE and big-picture plans together.
VA loans often shine for eligible borrowers because of $0 down, no monthly PMI, and competitive rates. Conventional loans may offer more flexibility for second homes or investment properties. We’ll run the numbers side-by-side so you can see which path supports your budget and long-term plans.
Yes. If you already have a VA loan, an Interest Rate Reduction Refinance Loan (IRRRL) may help you lower your rate or payment with simplified documentation. Cash-out refinance options may also be available in some situations. We’ll walk through your goals and current loan details.
I’ll help you translate your service into clear home loan options and compare VA side-by-side with other paths so you can choose what best supports your family, budget, and long-term plans. If you’d rather learn first, you can start with the VA Loans Guide for a deeper walkthrough.
VA home loans are guaranteed by the U.S. Department of Veterans Affairs and offered by VA-approved lenders. Programs, rates, and terms are subject to change without notice. Eligibility, entitlement, and underwriting requirements vary by VA rules, lender, and location. Not a commitment to lend. All loans subject to credit and collateral approval. All loans subject to approval. Equal Housing Lender.