VA Loans: The Ultimate Home Benefit for Our Heroes

You Served Our Country. Now, Let Us Serve You.

At LoanHouse, we are honored to help Veterans, Active Duty Service Members, and eligible surviving spouses achieve homeownership. The VA Home Loan is a powerful tool provided by the Department of Veterans Affairs, offering significant financial advantages that traditional loans simply cannot match.

Zero down payment. No monthly mortgage insurance. Competitive rates. You’ve earned it.

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The Unbeatable Benefits of VA Financing

The VA loan is designed to take the financial sting out of buying a home. If you are eligible, this is almost always your best path to homeownership.

• $0 Down Payment: Finance 100% of your home's purchase price without saving for years for a down payment.

• No Monthly PMI: Unlike FHA or Conventional loans, the VA loan does not require monthly Private Mortgage Insurance, saving you hundreds of dollars every month.

• Competitive Interest Rates: Because the VA backs these loans, lenders can offer rates that are typically lower than standard conventional mortgages.

• Flexible Credit Guidelines: We understand that military life can lead to unique financial situations. We offer more leniency on credit and debt-to-income ratios.

• Lifetime Benefit: You don't just get to use the VA loan once. You can use your entitlement over and over again throughout your life.

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VA Loan Quick Facts

Feature	VA Loan Details
Down Payment	0% (100% Financing)
Minimum Credit Score	Starting at 580–620 (varies by program)
Monthly PMI	None
Loan Limits	No limits for borrowers with full entitlement
VA Funding Fee	A one-time fee (can be rolled into the loan; waived for disabled Veterans)
Property Types	Single Family, VA-Approved Condos, Multi-Unit (up to 4)

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Who is Eligible?

You may be eligible for a VA loan if you meet any of the following:

• You are an Active Duty Service Member.

• You are a Veteran who meets service requirements.

• You have served in the National Guard or Reserves.

• You are the Surviving Spouse of a Veteran who died in the line of duty or from a service-connected disability.

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Frequently Asked Questions

How do I get my Certificate of Eligibility (COE)?

Don't worry about the paperwork—we can handle that for you! At LoanHouse, we can pull your COE directly from the VA portal in minutes to determine exactly how much entitlement you have available.

What is the "VA Funding Fee"?

The Funding Fee is a one-time fee paid to the VA to keep the program running for future Veterans. It is usually between 1.25% and 3.3% of the loan amount. Most Veterans choose to roll this fee into their total loan amount so they don't have to pay it upfront. Veterans with a service-connected disability are typically exempt from this fee entirely.

Can I use a VA loan to buy an investment property?

The VA loan is intended for primary residences. However, you can use it to buy a multi-unit property (up to 4 units) as long as you live in one of the units. This is a great way to start an investment portfolio with $0 down!

Can I have more than one VA loan at a time?

Yes! Under certain conditions, you can have "bonus entitlement" that allows you to have two active VA loans at once—perfect for when you are relocated due to PCS orders but want to keep your previous home as a rental.

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Ready to Use Your Benefit?

Our team at LoanHouse is standing by to help you navigate the VA process with the respect and speed you deserve.