Understand your eligibility, your buying power, and your real monthly payment, from a team of veterans who've been through the VA process themselves.
Ready now? Start an application →We can walk through your options with you before any credit pull. We just can't hand you a formal pre-approval letter until we run one.
*Average savings over the life of a VA loan. Source: Polygon Research Channel Study, 2023 HMDA data. **The 92.9% figure is based on Polygon Research VA appraisal data. Appraisals are completed independently, and individual results vary.
Zero down, no PMI, from your very first home. The VA loan is one of the only programs that lets you buy without saving a large down payment first, and it never charges monthly mortgage insurance, no matter how little you put down.
See What You Could AffordYour entitlement can very likely be reused. Using your VA benefit once doesn't use it up. Depending on your remaining entitlement, you may be able to buy again with zero down, or even hold two VA loans at once in certain situations.
Check My Remaining EntitlementEligibility comes down to your service history, not your credit score. Active duty, veterans, Guard, Reserve, and some surviving spouses all qualify under different rules.
Let us pull your COE. Takes a few minutes through the VA's own system, costs you nothing, and tells you exactly where you stand, even if you're not sure you qualify.
Check My EligibilityIf rates have dropped since you closed, an IRRRL could lower your payment with less paperwork than a standard refinance.
See IRRRL DetailsMost loan programs require putting money down before you even start. VA loans don't, if your entitlement covers the purchase price.
Conventional loans charge PMI when you put less than 20% down. VA loans never do, which is often a savings of $150 to $300 a month.
Your entitlement doesn't disappear after one home. It can be reused, and in some cases restored even while you still own a home bought with it.
We pull your COE and confirm your remaining entitlement.
Income, credit, and entitlement, to see your real buying power.
You tour homes with a fully reviewed approval behind you.
Typically a week ahead of your original target date.
Based on the numbers you entered above. Adjust the calculator and this updates automatically.
| Situation | Funding Fee |
|---|---|
| First Use — $0 Down | 2.15% of loan amount |
| First Use — 5%+ Down | 1.50% of loan amount |
| First Use — 10%+ Down | 1.25% of loan amount |
| Subsequent Use — $0 Down | 3.30% of loan amount |
| Subsequent Use — 5%+ Down | 1.50% of loan amount |
| Disabled Veterans (any service-connected rating) | Waived entirely |
| Surviving Spouses receiving DIC | Waived entirely |
Information reviewed September 2026. Confirm current rates at the official VA home loans page ↗.
"Jerry explained all the nuances of the VA loan rules. Important to understand: Quazel Mortgage is a broker, so they find you the actual mortgage servicer."
— Gavin & Cici, VA Loan, Utah
If rates have dropped since your VA loan closed, the IRRRL streamline refinance can lower your payment. Documentation requirements are lighter than a standard refinance, though your lender's specific requirements still apply.
See VA IRRRL Details →