VA Mortgage Loans

VA Loans: Zero Down for Those Who Served.

Q: What credit score do I need for a VA loan?

The VA itself does not set a minimum, but most lenders require a 580-620 minimum.

Q: How do I get my Certificate of Eligibility?

We can typically obtain your COE online through VA systems within 24 hours at no cost to you.

You've earned this benefit. VA loans offer $0 down payment, no private mortgage insurance, and competitive rates — exclusively for veterans, active duty service members, and surviving spouses.

Get Pre-Approved Today 📞 (714) 470-6091

Down Payment

No PMI

Required

Reusable

Benefit

21 Days

To Close

VA Loan Advantages

Exclusive Benefits for Those Who Served

🇺🇸

Zero Down Payment

Eligible veterans can purchase a home with absolutely no down payment — preserving your savings and maximizing your buying power in any market.

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No PMI Ever

VA loans have no monthly private mortgage insurance requirement — saving $150–$400+/month compared to conventional loans with low down payments.

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Competitive Rates

VA loans typically offer lower interest rates than conventional loans due to the government guarantee, saving tens of thousands over the life of the loan.

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Reusable for Life

Your VA benefit doesn't expire after one use. It can be restored, reused, and in some cases held simultaneously for multiple properties.

You've Earned This Benefit — Let's Use It

Alex specializes in VA loans and will guide you through obtaining your Certificate of Eligibility and closing your loan in as little as 21 days.

Check VA Eligibility Call (714) 470-6091

Who Qualifies

VA Eligibility Requirements

✓
Active Duty (90+ Days)
Current military service members on active duty
✓
Veterans
Discharged under conditions other than dishonorable
✓
National Guard / Reserves
6 years of service or called to active duty for 90+ days
✓
Surviving Spouses
Unremarried spouses of veterans who died in service or from service-related injuries
✓
Certificate of Eligibility
Alex can help you obtain your COE quickly — often in 24 hours
✓
Primary Residence Only
VA loans are for owner-occupied homes, not investment properties

FAQ

Common VA Loan Questions

Is there a VA funding fee?

Yes. The VA funding fee is typically 2.15% for first use with no down payment, and lower with a down payment or on subsequent uses. Veterans with a service-related disability of 10% or more are completely exempt from the funding fee.

Can I use my VA benefit more than once?

Absolutely. Your VA entitlement is restored after selling your previous VA-financed home and paying off the loan. In some cases, you can have two VA loans simultaneously if you have remaining entitlement. Alex will review your full entitlement status.

What credit score do I need for a VA loan?

The VA itself doesn't set a minimum credit score, but most lenders require a 580–620 minimum. Higher scores give access to better rates. Alex works with veterans across the credit spectrum and knows how to strengthen a file before submission.

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

Alex can typically obtain your COE online through VA systems within 24 hours at no cost to you. You can also request it through VA.gov or your local VA office. We handle all the paperwork so you can focus on finding your home.

Free Consultation

Get Pre-Approved Today

Tell Alex about your situation. No obligation, no hard sell — just expert guidance from a licensed professional.

🔒 Secure & Confidential · NMLS #335813 · Equal Housing Lender