VA Loans
Eligible Veterans &
Service Members:
Buy Your Home with 0% Down
Honoring those who served with a powerful home financing benefit designed to make homeownership more accessible than ever.
Why VA Loans Are Strong
0% Down Payment
Available for eligible buyers.
No PMI Required
No private mortgage insurance needed.
Competitive Rates
Government-backed interest rates.
Flexible Credit
More flexible credit requirements than conventional loans.
No Prepayment Penalty
Pay off your loan early without fees.
Reusable Benefit
Can be used multiple times over a lifetime.
2026 Requirements
Valid Certificate of Eligibility (COE).
No set minimum credit score, though most look for 580-620+.
Debt-to-income ratio around 41% that can flex higher.
Documents You'll Need
Certificate of Eligibility (COE)
DD-214 for veterans
Two years of W-2s
30 days of recent pay stubs
Two months of bank statements
Photo ID
Seller Concessions
Sellers can contribute up to 4% toward closing costs.
Assumable Loans
VA loans are assumable by another qualified VA buyer.
VA IRRRL
The VA Interest Rate Reduction Refinance Loan lets you refinance with minimal docs.
Important Things to Know
A Benefit You've Earned
VA home loans trace back to the 1944 GI Bill (the Servicemen's Readjustment Act), created to help service members build wealth through homeownership as a lasting form of national gratitude. This isn't a favor or a discount — it's a benefit earned through service and sacrifice, and it's one of the most powerful wealth-building tools available to those who've served.
Thank you to all veterans and service members for your dedication and sacrifice. We invite you to take full advantage of the benefit you’ve rightfully earned.
Ready to use your VA benefit? Contact Adam Lewis today to check your eligibility and get pre-approved!
Who Has Access
90 consecutive active days during wartime, 181 days peacetime, or 24 months post-1990.
Veterans
Generally 90 continuous days of service.
Active-Duty
Generally 6 years service, or 90 days with 30 consecutive.
Guard & Reserve
Unremarried spouses of members deceased in service or via disability.
Surviving Spouses
VA Funding Fee Explained
A one-time payment that helps keep the program funded for future veterans. Fees vary by down payment and usage.
First-Time Use
- Less than 5% down: 2.15%
- 5-9.99% down: 1.50%
Subsequent Use
- Less than 5% down: 3.30%
- 5-9.99% down: 1.50%