Zero down payment, no PMI, and competitive rates backed by the U.S. Department of Veterans Affairs — because you've already paid the price. Our team specializes exclusively in VA lending.
VA loans are the most powerful mortgage benefit available to U.S. veterans, active-duty service members, and eligible surviving spouses.
Purchase a home with zero money down — no 3%, 5%, or 20% required. Keep your savings for what matters.
Unlike conventional and FHA loans, VA loans never require private mortgage insurance — which can result in meaningful monthly savings.
VA loans often feature competitive interest rates because they're backed by the U.S. Department of Veterans Affairs, which reduces lender risk.
The VA limits what lenders can charge veterans in closing costs, and sellers can pay up to 4% of the loan amount toward your costs.
No minimum credit score set by the VA. We work with borrowers across a wide range of credit profiles — even after bankruptcy or foreclosure.
Your VA loan benefit can be used again and again. Pay off or sell one home, and your entitlement is restored for the next.
Whether you're buying, refinancing, or tapping into equity — there's a VA program designed for you.
Buy your home with zero down payment and no PMI. The flagship VA benefit for veterans and active-duty service members.
Already have a VA loan? The Interest Rate Reduction Refinance Loan lets you lower your rate with minimal paperwork and no appraisal required.
Access up to 100% of your home's equity — more than any conventional cash-out allows. Use funds for debt consolidation, home improvement, or any purpose.
Finance the purchase and renovation of a fixer-upper with a single VA loan. Roll improvement costs into your mortgage — no second loan needed.
You may be eligible based on your service history. Here's what qualifies you — and how to get started.
Your COE proves to lenders that you qualify for the VA loan benefit. We can usually obtain it for you instantly — but here's how the process works:
In most cases, we can retrieve your COE electronically through the VA's system in minutes. No action needed from you.
You can also request it yourself through the VA's eBenefits website at va.gov. Download and send it to us.
If electronic retrieval isn't available, we'll use your DD-214 (Certificate of Release) to verify eligibility manually.
The VA funding fee is a one-time payment that helps keep the program running — and it can be rolled into your loan.
| Loan Type | First-Time Use | Subsequent Use | Down Payment ≥ 5% |
|---|---|---|---|
| Purchase / Construction | 2.15% | 3.3% | 1.5% |
| Cash-Out Refinance | 2.15% | 3.3% | — |
| IRRRL (Streamline) | 0.5% (all uses) | ||
| Exempt Veterans | Fee Waived — $0 | ||
Who is exempt? Veterans receiving VA disability compensation, Purple Heart recipients, and surviving spouses of veterans who died in service or from a service-connected disability. The funding fee can be financed into the loan amount.
As Veterans Direct, VA lending isn't just part of what we do — it's at the core of who we are.
Our team processes hundreds of VA loans every year. We know the guidelines inside and out — including the edge cases other lenders reject.
We pull your Certificate of Eligibility electronically in minutes, not days. Most borrowers never need to lift a finger.
You work with one VA-focused loan officer from start to finish — not a call center. They know your file, your situation, and your name.
We shop multiple investors for the competitive VA rates across multiple investors. Transparent pricing with clear fee breakdowns.
Had a rough patch? We work with veterans who've experienced bankruptcy, foreclosure, or collections. Past credit events don't automatically disqualify you.
Second-time VA users, bonus entitlement, remaining entitlement calculations — we handle the complex cases other lenders avoid.
You've earned this. Let our VA specialists show you what's possible — whether you're buying your first home or refinancing your fifth.