Veterans & Military

Conventional Loans in PA, NJ & OH

Exclusively for veterans, active-duty service members, and eligible surviving spouses. No down payment, no PMI — a powerful benefit you've earned.

VA Loan Snapshot
Down Payment Required $0
Mortgage Insurance None
Min. Credit Score Lender set (typ. 580+)
Loan Terms 15 or 30 yr fixed / ARM
VA Funding Fee 1.25–3.3% (waived for some)
Who Qualifies Veterans, active duty, spouses

Understanding Your VA Loan Benefit

The VA loan is one of the most powerful benefits available to those who've served. Our team explains eligibility requirements, the funding fee, how to obtain your Certificate of Eligibility, and how to maximize your benefit.

Watch this quick overview, then reach out to one of our licensed loan officers for a personalized rate quote.

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Understanding Your VA Loan Benefit
Understanding Your VA Loan Benefit

The Strongest Loan Benefit Available

If you've served in the U.S. military, you've earned access to one of the best mortgage programs in the country.

Zero Down Payment

Eligible veterans can finance 100% of the home's purchase price — no down payment required, and no PMI ever.

No Private Mortgage Insurance

VA loans never require PMI, saving veterans hundreds of dollars per month compared to conventional or FHA loans.

Competitive Interest Rates

Because the VA guarantees a portion of the loan, lenders offer lower rates than most conventional products.

Flexible Credit Guidelines

VA loans have no official minimum credit score set by the VA. Individual lenders set their own requirements, typically 580–620.

Reusable Benefit

Your VA entitlement can be used more than once — and you can even have two VA loans at the same time in some cases.

We Are VA Specialists

Our loan officers understand the VA process inside and out — from obtaining your COE to navigating the VA appraisal.

VA Loan FAQs

Answers to the most common questions about va loans.

VA loans are available to veterans, active-duty service members, National Guard/Reserve members (with qualifying service), and surviving spouses of veterans who died in service or from a service-connected disability.
Yes — eligible veterans can purchase a home with absolutely no down payment required. You'll still need to cover closing costs, though sellers can contribute to those, and we can help structure the deal to minimize your out-of-pocket costs.
The VA funding fee is a one-time fee (typically 1.25–3.3% of the loan amount) that helps fund the VA loan program. It can be rolled into the loan. Veterans with service-connected disabilities are often exempt from paying this fee.
Yes — your VA entitlement can be restored after you sell the home and pay off the VA loan. In some cases you can have two VA loans simultaneously. We can review your eligibility and remaining entitlement.
The VA has minimum property requirements (MPRs) that homes must meet, but the property doesn't need to be perfect. We can guide you through what to expect during the VA appraisal process.

Use your VA benefit — check your rate today

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The Podcast

Get a feel for our people by watching the Loans, Mortgage Made Easy Podcast.

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