VA Loans: $0 Down, No PMI for Those Who Served
100% financing with no down payment and no monthly mortgage insurance — for veterans, active-duty service members, and eligible surviving spouses. We are a VA-approved lender, so we originate these directly.
How it works
Who qualifies
- Service: veterans, active-duty service members, and eligible surviving spouses. Eligibility is documented with a Certificate of Eligibility (COE) — we help you obtain it.
- VA-approved lender: we are approved to originate VA loans directly — no middleman, no referral out.
- Credit: the VA sets no universal minimum credit score; the lender makes the underwriting call on credit, income stability, and debts. We review the full file with you.
- Income: no income cap. Residual-income review applies per VA guidelines.
- Property: primary residence — single-family, VA-approved condos, and qualifying multi-unit properties.
- Funding fee: the one-time fee varies by service history, down payment, and first versus subsequent use. Verify current figures before quoting — it can typically be rolled into the loan.
- Availability: our licensed states — California, Texas, Arizona, Florida, Georgia.
Other 100% paths from the same lender
- FHA 100% Combo: two loans, one closing — 96.5% first plus a second lien up to 3.5%. 600 credit minimum.
- V1-FAST 100: 100% with a forgivable second; Supreme tier reaches 5% assistance.
Not sure VA is your best $0-down route? Run the 60-second check — it compares every path you qualify for side by side.
Program guidelines change frequently. Verify the current guidelines and matrix before locking or quoting. This is educational information, not a commitment to lend. Equal Housing Opportunity.
Common questions
Is this really $0 down?
Yes — VA financing covers 100% of the purchase price, so the down payment is $0. Closing costs, prepaid items, and the funding fee (if financed, it is part of the loan) are separate — we map every dollar before you commit.
Do I need to be a first-time buyer?
No. There is no first-time-buyer requirement and no income cap on VA loans.
What is the VA funding fee?
A one-time fee the VA charges on most loans; the amount varies with service history, down payment, and whether it is your first or subsequent VA loan. It can usually be financed into the loan amount. Verify current figures before quoting.
How do I prove I am eligible?
With a Certificate of Eligibility (COE) from the VA. We help you request it — most come back quickly once service is verified.
Is it available in my state?
We originate VA loans in California, Texas, Arizona, Florida, and Georgia.
See what you qualify for
Tell us where you want to buy and how much you can put down. We'll match you with the programs that fit — VA loans, 100% combos, 1% down grants, or CalHFA — and walk you through every step.