Learn how to leverage your VA benefits—from lower down payments to competitive loan options—to secure your dream home with confidence.
What You'll Learn
Our VA Benefits Blueprint is designed to simplify the home buying process and help you:
• Understand who qualifies and how to apply for a VA loan
• Discover how to buy a home with no down payment
• Avoid unnecessary costs like private mortgage insurance (PMI)
• Learn about flexible credit requirements and competitive loan rates
• Get step-by-step guidance on securing and using your VA loan
• No confusing jargon—just clear, actionable steps to homeownership.
Download Now and take the first step toward owning your dream home.
We’ve had the honor of helping countless veterans and active duty members navigate their VA benefits. Here’s what some of them had to say about working with us to make homeownership a reality.
A VA loan is a mortgage option provided by private lenders, such as banks and mortgage companies, and partially guaranteed by the U.S. Department of Veterans Affairs (VA). This program is designed to help veterans, active-duty service members, and eligible surviving spouses purchase, build, or refinance a home. One of its most significant advantages is that it often requires no down payment, making homeownership more accessible.
Qualified borrowers can finance 100% of the home's value without needing a down payment.
Unlike many conventional loans, VA loans do not require PMI, which can result in substantial monthly savings. Learn More
VA loans often offer lower interest rates compared to traditional mortgage options, helping to reduce monthly payments.
The VA loan program provides more lenient credit guidelines, making it easier for borrowers with less-than-perfect credit to qualify.
The VA sets limits on the amount lenders can charge for closing costs, potentially saving borrowers money during the home-buying process.
To be eligible for a VA loan, you must meet at least one of the following service criteria:
• Veterans: Served a minimum required period, typically 90 consecutive days during wartime or 181 days during peacetime.
• Active-Duty Service Members: Currently serving with at least 90 continuous days of active service.
• National Guard and Reserve Members: Completed at least six years of service or 90 days of active-duty service under Title 32, with at least 30 of those days being consecutive.
• Surviving Spouses: Unremarried spouses of veterans who died in service or from a service-connected disability.
It's important to note that while the VA doesn't set a minimum credit score, individual lenders may have their own requirements. Additionally, obtaining a Certificate of Eligibility (COE) is a crucial step in the process, as it verifies to lenders that you meet the necessary service requirements. Learn More
Owning a home isn’t just a milestone—it’s security, stability, and a future you deserve. Yet too many veterans leave their VA benefits unused, missing out on the financial advantages that make homeownership possible.
Don’t let this be you. Whether you’re ready to buy or just starting to explore your options, this guide will help you take control of your journey!
Your experience matters, and so do you. Let’s make homeownership happen.
To qualify for a VA loan, you must be a veteran, active-duty service member, National Guard or Reserve member, or an eligible surviving spouse. Specific service requirements apply, including a minimum number of days served. You’ll need a Certificate of Eligibility (COE) to prove your eligibility.
No! One of the biggest advantages of a VA loan is that it requires no down payment—unlike conventional loans that typically require at least 3-5% down.
No. VA loans do not require PMI, which can save you hundreds of dollars per month compared to other loan types.
The VA does not set a minimum credit score, but most lenders prefer a credit score of at least 620. Some lenders may approve lower scores based on other financial factors.
Yes! VA loans can be used multiple times throughout your life, as long as you restore your entitlement. This means you can sell your home and buy another using a VA loan again.
No. VA loans are strictly for primary residences—they cannot be used for investment properties or vacation homes.
The VA funding fee is a one-time payment that helps keep the program running. It varies based on whether you’re a first-time VA loan user or have used one before. Some veterans, such as those with service-related disabilities, may be exempt from this fee.
Yes! The VA allows sellers to cover up to 4% of the buyer’s closing costs, and some costs may be financed into the loan.
VA loans typically close within 30 to 45 days, similar to conventional mortgages.
The process involves:
• Getting your Certificate of Eligibility (COE)
• Finding a VA-approved lender
• Getting pre-approved
• Finding a home that meets VA standards
• Submitting an offer and going through appraisal & closing
No pressure, no obligations—just real answers from real people who care about your experience.