1st Time Home Buyer VA Loans – VA Refinance Options

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Take advantage of your military benefits with a VA home loan. Compare trusted VA-approved lenders quickly and easily,  with no fees, no credit impact, and no hassle.

Why a VA Loan?
✅ $0 Down Payment (in most cases)
✅ No Private Mortgage Insurance (PMI)
✅ Competitive interest rates with flexible credit standards
✅ Can be used for a primary home purchase, cash-out refinance, or streamline refinance (IRRRL)
✅ Reuse your VA entitlement multiple times

How It Works:
VA loans are backed by the Department of Veterans Affairs, which allows lenders to offer better terms than many conventional mortgages. Borrowers benefit from:

Zero down payment (within conforming loan limits)

No monthly mortgage insurance

A one-time VA funding fee (can be rolled into the loan)

Easier qualification thanks to flexible credit and income guidelines

Who Can Benefit:
🎖 Veterans with qualifying service
🎖 Active-duty service members
🎖 National Guard or Reserve members
🎖 Certain surviving spouses

These loans are designed for primary residences, not second homes or investment properties.

FAQs

Do I really need no down payment? Yes, most borrowers pay $0 upfront.

What about the VA funding fee? It’s a one-time fee, often included in the loan.

Can I use my VA loan benefit more than once? Yes, you can reuse your entitlement.

What credit score do I need? Requirements vary, but VA loans are often more flexible than conventional mortgages.