Potentially 0% Down
Eligible borrowers may be able to purchase without a down payment when VA and lender requirements are met.
VA Home Loans
A home loan benefit built for those who served.
VA-backed purchase loans can offer eligible Veterans, active-duty service members and qualifying surviving spouses powerful home-financing benefits, including the possibility of no down payment and no monthly private mortgage insurance.
VA Purchase LoansFor eligible military borrowers
Single-Lender QuoteRequest a quote from one lender
Missouri & KansasLocal mortgage guidance
Why Consider VA
VA financing can reduce some traditional barriers to buying a home.
Eligibility, entitlement, property requirements and lender qualification standards still apply, but VA-backed purchase loans can differ meaningfully from Conventional or FHA financing.
No Monthly Mortgage Insurance
VA-backed purchase loans do not require private mortgage insurance or FHA mortgage insurance premiums.
Closing-Cost Flexibility
VA rules limit certain charges and permit negotiated seller-paid costs and concessions within program limits.
Reusable Benefit
Eligible borrowers may be able to use their VA home-loan benefit more than once, subject to entitlement rules.
VA Loan Quote
Tell us about your VA purchase scenario.
Complete the inquiry form to request a VA purchase-loan quote. The form is configured specifically for a VA mortgage purchase and requests a quote from a single lender.
One lender, not a lead marketplace.
Your inquiry is intended for a quote from a single lender.
Purchase-focused VA inquiry.
The form is specifically configured for a VA mortgage purchase quote.
A quote is not a pre-approval.
If you're ready to make an offer, complete the full pre-approval process separately.
VA Purchase Loan Quote
Request your VA loan quote
Please fill in the information below to receive a quote from a single lender.
The VA Funding Fee
VA loans do not have monthly mortgage insurance, but a funding fee may apply.
The VA funding fee is generally a one-time charge based on factors such as loan type, down payment and whether the VA home-loan benefit has been used before. Some borrowers are exempt. When it applies, the funding fee can generally be paid at closing or financed into the loan.
Before You Apply
A few VA loan details to keep in mind.
Certificate of EligibilityA COE helps establish service-related eligibility for the VA home-loan benefit.
Lender Qualification Still AppliesThe lender evaluates credit, income, debts and other underwriting requirements.
Property Requirements MatterThe property generally must meet VA requirements and be appraised.
VA Loan FAQ
Common questions about VA purchase loans.
Do VA loans always require no down payment?
No. VA-backed purchase loans can allow no down payment in qualifying situations, but entitlement, appraisal, purchase price and lender requirements can affect cash needed.
Does a VA loan have mortgage insurance?
VA-backed purchase loans do not require monthly PMI or FHA-style MIP. A one-time VA funding fee may apply unless the borrower qualifies for an exemption.
Can the VA funding fee be financed?
Yes. When applicable, the VA funding fee can generally be included in the loan amount or paid in full at closing.
Do I need a Certificate of Eligibility?
You will need a COE to show your lender that you meet the service-related eligibility requirements for the VA home-loan benefit.
Can I use a VA loan benefit more than once?
Potentially. VA loan benefits can be reusable, subject to entitlement restoration, remaining entitlement and other requirements.
Is this quote request the same as pre-approval?
No. The inquiry form requests a VA purchase-loan quote. Pre-approval requires a more complete review of your financial information and loan application.
Ready to see what a VA loan could look like for you?
Request a quote or start the pre-approval process to connect your VA eligibility with an actual home-purchase scenario.