VA Home Loans for Veterans
Retired Army First Sergeant. Purple Heart recipient. I use what the Army taught me about structure and follow-through to help veterans use the loan benefit they earned.
What You Get With a VA Loan
The VA loan is one of the most underused benefits veterans have. Full entitlement means no down payment and no VA-set loan limit. Here's what that means for you.
$0 Down
No Monthly PMI
No VA Loan Limit
Use It Again
The VA Funding Fee, Explained
Most VA loans include a one-time funding fee, rolled into the loan instead of paid out of pocket. It replaces monthly mortgage insurance and keeps the program running with zero taxpayer subsidy.
The amount depends on your down payment and whether this is your first time using the benefit. Put nothing down on your first VA loan and the fee runs a little over 2% of the loan amount. Use the benefit again with nothing down and it's a little over 3%. Put money down and the fee drops.
Some veterans don't pay it at all. Receiving VA compensation for a service-connected disability, a Purple Heart recipient, or a surviving spouse getting DIC all qualify for a full exemption. I'll check your status before we run any numbers.
Fees and program details change. Call or text me for the exact number on your file.
How We Get You There
