VA Home Loan Program

VA Loan Benefits

  • VA Program requires zero down payment
  • 550 minimum credit score
  • Down Payment Assistance Programs available
  • Competitively low interest rates
  • VA has more flexible income and credit qualification guidelines
  • Down payment can be 100% gift funds
  • Seller can pay closing costs
  • 30 year fixed rate loan


Veterans and active military personnel are eligible to participate in the VA loan program. Generally, you’re likely qualified if you served:

  • 181 days during peacetime (Active Duty)
  • 90 days during war time (Active Duty)
  • 6 years in the Reserves or National Guard
  • Some surviving spouses may be eligible

Required Military Documents

  • Certificate of Eligibility (COE)
  • DD Form 214, Certificate of Release or Discharge from Active Duty.

Down Payment Assistance

There is a grant called the Dream Makers Program which matches your contribution three-to-one up to maximum $5,000. Military personnel (Active Duty, Reserve, National Guard, Veteran) are eligible for this program. FHA, VA, USDA programs available. Apply for grant. There are maximum income limitations.

You should seek a loan officer who has experience with these type of loans because the guidelines and procedures are different than any other program.

*We are not a government agency or endorsed by VA.