Purchase
VA purchase
Financing for eligible veterans, service members, and surviving spouses — often with no down payment.
- Often 0% down
- No monthly PMI
- Owner-occupied
Who it is for
Eligible veterans, active-duty service members, and qualifying surviving spouses.
VA purchase loans are among the strongest owner-occupied programs when eligibility is in place. We confirm entitlement early so the contract is written to a loan that can actually close.
Condo project rules and residual income still matter. If VA is not the right fit, we compare conventional and renovation options without wasting contract time.
Questions
- Do I need a down payment?
- Many VA purchases close with no down payment when entitlement and residual income support the loan.
- Can I use VA more than once?
- Often yes, depending on remaining entitlement and whether a prior VA loan is paid off.
Related programs
- FHA
Lower down payment and more flexible credit for owner-occupied purchases.
- Renovation purchase
Finance the home and the work in one loan when the property needs more than cosmetic paint.
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.