The Nation’s #1 VA Home Purchase Lender †

Check rates in minutes at veteransunited.com. Zero credit impact.
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450,000+ reviews
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"After years of renting, I finally own my home thanks to the VA loan program. No PMI and a great interest rate made all the difference."
Cpl. Rodriguez
U.S Marine Corps

Why VA Loans?

$0 Down Payment

Most VA loans require no down payment, saving you thousands upfront.

No PMI

Unlike traditional loans, you don't have to pay monthly mortgage insurance.

Lower rates

VA loans typically offer lower interest rates than conventional mortgages.

Ready to get started?

Check your VA loan eligibility in minutes with zero credit impact.

Get the most from your benefits and budget

Find out why VA Loans are ideal for Veterans and military families.

VA Loans

0% Down
No PMI
Competitive Rates
Easier to Qualify

VA home loans offer lifetime value. Your hard-earned benefit can be used over and over again. See how much you can save with the lowest average interest rate when compared to FHA and Conventional Loans.

Jose Y | U.S Army
5-star review!

Real stories from real veterans

Join thousands of veterans who've found their home

"I thought buying a home would be a nightmare after deployment. The team handled everything. I moved in with $0 down."
Sgt. Miller
U.S Army
"As a first-time homebuyer, I was nervous about the process. The VA loan benefits made it possible for my family to own our dream home."
Lt. Johnson
U.S Navy
"The entire process was smooth from start to finish. I saved thousands by not having to pay PMI. Highly recommend to all veterans."
MSgt. Thompson
U.S Air Force
NMLS #1907

5 Reasons Why Getting A VA Home Loan Is The Best Financial Move You Can Make

1

Buy a Home With $0 Down — Even in Today's Market

Unlike conventional loans that often require 5–20% down, VA loans allow qualified buyers to purchase a home with no down payment, making homeownership possible years sooner.

"When we learned we could buy with zero down, it changed everything. We stopped renting and moved into our first home without draining our savings."
James R. • U.S. Army Veteran
2

No Private Mortgage Insurance (PMI) Means Lower Monthly Payments

Traditional low-down-payment loans usually require PMI, adding hundreds to monthly costs. VA loans eliminate PMI entirely, helping families keep more money each month.

"Our lender showed us the difference with PMI included. The VA loan saved us over $300 every month."
Danielle S. • Navy Spousal Family
3

Competitive Interest Rates Save Thousands Over Time

Because VA loans are backed by the U.S. Department of Veterans Affairs, lenders can offer lower interest rates, which can translate into significant long-term savings.

"We compared multiple loan types. The VA rate was lower, and over 30 years it adds up to tens of thousands saved."
Carlos M. • Marine Corps Veteran
4

Flexible Credit Guidelines Help More Veterans Qualify

Life after service can include job changes, relocations, or credit challenges. VA loans are designed with flexible qualification standards to help more veterans secure financing.

"I assumed my credit history would hold me back. The VA loan process was far more understanding than traditional lenders."
Robert T. • Air Force Veteran
5

Limited Closing Costs and Seller Contributions Reduce Upfront Expenses

VA loan guidelines limit certain fees and allow sellers to cover some closing costs, reducing the amount buyers need at closing.

"We expected to bring thousands to closing. Thanks to VA rules and seller concessions, we brought far less than anticipated."
Lisa G. • Army National Guard
"This benefit made homeownership possible for our family years earlier than we thought."
Marcus W. • Verified Borrower
🏡

No down payment requirement

For qualified buyers

📉

No PMI monthly cost

Save hundreds every month

🎖️

Built for veterans and active-duty families

Designed to serve those who served

Program benefits vary based on eligibility and lender guidelines.
Free consultation. No obligation required.

Why Choose a VA Home Loan?

Compare the benefits side by side

Features
VA Home Loan
Conventional Loan
FHA Loan
Down Payment
$0 for qualified buyers
5–20% typical
3.5% minimum
Monthly PMI
None
Required under 20% down
Required
Interest Rates
Typically lower
Market-based
Competitive
Credit Flexibility
More flexible
Stricter
Moderate
Closing Cost Limits
Down Payment
VA Home Loan
$0 for qualified buyers
Conventional Loan
5–20% typical
FHA Loan
3.5% minimum
Monthly PMI
VA Home Loan
None
Conventional Loan
Required under 20% down
FHA Loan
Required
Interest Rates
VA Home Loan
Typically lower
Conventional
Loan
Market-based
FHA Loan
Competitive
Credit Flexibility
VA Home Loan
More flexible
Conventional Loan
Stricter
FHA Loan
Moderate
Closing cost limits
VA Home Loan
Conventional Loan
FHA Loan

Your Potential Savings with a VA Loan

Based on a $300,000 home purchase

$0
Down payment
vs. $15,000-$60,000 conventional
$250+
Monthly PMI Savings
That's $3,000+ per year
$50k+
Total Savings Over Life of Loan
With lower rates & no PMI

How to Get Started With a VA Home Loan

Minutes

Quick Start

3 steps

Simple process

$0 down

Get started
01

Confirm your eligibility and obtain your Certificate of Eligibility (COE)

02

Connect with a VA-approved lender to review your options

03

Get pre-approved and start shopping for your new home

Why Veterans Trust Veterans United With Their Home Loans

#1

VA home loan lender
By loan volume nationwide

Best

Competitive rates
Industry-leading pricing

A+

BBB rating
Trusted and accredited
#1 VA lender in America
400,000+ veterans served
Competitive rates

Don't Miss Out on the Benefit You Earned

The VA Home Loan program helps veterans and military families achieve homeownership with fewer barriers and greater financial flexibility.

Join the thousands of veterans who trust America's #1 VA home loan lender for competitive rates and expert guidance.
Get approved and start house hunting.

Zero Down Financing

Purchase a home without a down payment and keep your savings for what matters.

Veteran-Friendly Qualification

Flexible credit requirements designed to help more service members qualify.

Designed for Military Families

A program created specifically to serve those who served our country.

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