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VA Loans

Thank you for your service.
Now let us serve you.

No down payment, no PMI, and competitive rates — exactly the way it should be.

0% down

No down payment required for eligible borrowers — keep your savings working for you.

No PMI

Skip private mortgage insurance entirely and lower your monthly payment.

Lower rates

VA loans typically come with rates below conventional and FHA loans.

Streamlined refinance

Refinance with the IRRRL — minimal paperwork, no appraisal in most cases.

Funding fee assistance

Disabled veterans may have the VA funding fee waived entirely.

Reusable benefit

Used your VA entitlement before? You can still use it again — we will walk you through it.

Eligibility, simplified

Who qualifies for a VA loan?

You may qualify if you are:

  • Active duty service member with 90+ continuous days
  • Veteran with qualifying length of service
  • Member of the National Guard or Reserves (six years)
  • Surviving spouse of a service member who died on active duty or from a service-connected disability

You will need:

  • Certificate of Eligibility (COE) — we help you pull it
  • Two years of work history (military counts)
  • Proof of income
  • Valid government photo ID

Ready to use your benefit?

Get started with a Heritage VA specialist.