We help get your COE.
Your Certificate of Eligibility confirms eligibility for the VA benefit. We can request it electronically when available and help with the documents needed for VA review.
Veteran-owned. Here for you.
VA Home Loans
You’ve given so much.
Let us serve you.
Your service. Your family. Your next chapter. We help eligible service members, Veterans, and surviving spouses understand and use their VA home loan benefit.
We’ll help obtain your Certificate of Eligibility, review your available entitlement, and explain your financing options—with a veteran-owned team by your side.
Explore My VA Options
No down payment options
For qualifying purchases. Entitlement, home value, and lender requirements apply.
No monthly mortgage insurance
VA loans do not require PMI. A VA funding fee may apply unless you’re exempt.
A benefit you can use again
Prior VA loan use doesn’t automatically rule out another. We’ll review your entitlement.
Your benefit, made clear
You don’t have to figure it out alone.
Start with a personal VA benefit review. We’ll connect the details to your actual plans.
We review your entitlement.
Used a VA loan before? Still have one? We’ll review your available entitlement, explain restoration, and calculate how remaining entitlement could affect a down payment.
We explain your options.
We’ll walk through affordability, funding-fee status, closing costs, and lender options—so you understand what’s possible and what comes next.
A COE is one part of the process. Loan approval also requires the lender’s credit, income, and property review. Some COE requests, including surviving spouse cases, need additional documents or VA review.
Eligibility & requirements
More people may qualify than you think.
VA eligibility can include active-duty service members, Veterans, qualifying National Guard and Reserve members, and eligible surviving spouses.
| What we review | What it means for you |
|---|---|
| Service or spouse eligibility | Requirements depend on service dates, length of service, discharge status, or qualifying spouse circumstances. We’ll help identify your COE path. |
| Credit & income | VA doesn’t set a minimum credit score; lenders apply their own requirements. Income, debts, and money left for living expenses also matter. |
| Your home | VA purchase financing is for a primary residence. The property must meet VA and lender standards, and an appraisal helps establish its value. |
| Available entitlement | With full entitlement, VA doesn’t impose a loan limit. Your approved amount still depends on lender qualification and the home’s appraised value. |
Surviving spouses are part of this conversation. Eligibility depends on your circumstances, including applicable remarriage rules. We’ll help you understand the documentation and VA review process. See VA’s surviving spouse guidance →
Funding fee & closing costs
No down payment doesn’t mean no closing costs.
You may be exempt from the funding fee.
Exemptions include borrowers receiving qualifying VA disability compensation and eligible surviving spouses receiving Dependency and Indemnity Compensation (DIC). Other exemptions can apply.
For non-exempt purchase borrowers putting less than 5% down, the fee is generally 2.15% for first use or 3.3% for later use. A larger down payment can reduce it. The fee may be financed into the loan.
Know what you’ll need at closing.
Appraisal, title, lender charges, prepaid taxes, and insurance may still apply. Seller-paid costs or lender credits may help, depending on the transaction and loan terms.
We’ll explain your estimated cash to close and compare the full cost—including how financing a funding fee changes your loan balance.
We’ll review your fee status and costs for the loan you’re considering. See VA’s funding-fee and closing-cost guidance →
Purchase or refinance
One benefit. Different ways to use it.
Buying a home
VA purchase loan
Use your benefit to buy a primary residence, with no-down-payment options for qualifying borrowers.
We’ll review your budget, entitlement, and property plans.
Already have a VA loan
VA streamline / IRRRL
Refinance an existing VA loan to pursue a lower rate or more stable payments when the program requirements are met.
Compare the savings, closing costs, and time to recover those costs.
Refinancing & equity
VA cash-out refinance
Replace a VA or non-VA mortgage and potentially access home equity, subject to eligibility and lender requirements.
We’ll compare the new balance, payment, costs, and available cash.
Questions we help answer
Let’s clear up a few common VA myths.
Can I use my VA benefit more than once?
Yes. VA benefits can be reused. Depending on your situation, you may be able to restore entitlement after paying off a previous VA loan, or use remaining entitlement while another VA loan is still outstanding. We’ll review your COE, loan history, and plans to explain what’s available.
My COE says $36,000. Is that my borrowing limit?
No. That figure is basic entitlement, not your maximum loan amount. With full entitlement, VA doesn’t impose a loan limit. Lender approval, income, credit, and the home’s appraised value still determine what you can borrow. Remaining entitlement can affect how much you can borrow without a down payment.
Can an eligible surviving spouse use a VA loan?
Yes. Some surviving spouses qualify, subject to VA’s eligibility rules. The process can require marriage, service, or other supporting documents and a VA review. Credit, income, and property requirements still apply. Our team can help you identify the right steps.
Does a VA appraisal replace a home inspection?
No. A VA appraisal helps determine value and whether the home meets VA’s minimum property requirements. A home inspection gives you a more detailed look at the home’s condition. They serve different purposes.
Your next chapter starts with a conversation.
Tell us what you’re planning. We’ll help you understand your benefit and take the next step with confidence.
Sources & program information
Program information researched October 6, 2026. Eligibility, loan approval, terms, and costs depend on VA rules, lender guidelines, and your circumstances.
U.S. Department of Veterans Affairs: Eligibility · Certificate of Eligibility · Entitlement & loan limits · Funding fee & costs