VA Purchase Loan
Buy your first home — or your next — with $0 down, no PMI, and competitive fixed rates on a VA purchase loan.
The VA purchase loan is the benefit you earned. Skip the down payment, skip PMI, and close on a home that fits your life — not the bank's rulebook.
VA works on duplexes, triplexes, and fourplexes.
2–4 unit primary-residence purchases are permitted with zero down and no PMI. Occupy one unit; the other units generate rental income that counts toward qualifying. Most veterans never hear about this from their loan officer.
Read the multi-family playbook → or run the house-hack calculator →
The benefit doesn't end with the veteran.
An unremarried surviving spouse — plus two important remarriage exceptions — can use the VA loan with zero down, no PMI, and a 100% funding-fee waiver. Roughly 600,000 people qualify today and don't know it.
Pair your purchase with the SAH grant.
Buying a home that needs ramps, roll-in showers, or other disability-related adaptations? The SAH grant pays up to $126,526 directly to you or your contractor — not through the lender — while the VA purchase loan finances the home itself.
Finance solar, HVAC, and insulation with the EEM.
The VA Energy Efficient Mortgage lets you add up to $6,000 in upgrades without an energy audit — and more with one. Roll solar panels, insulation, heat pumps, or storm windows into your purchase loan at the same VA rate.
Buying out a spouse's equity with an Owelty lien.
If you're keeping the marital home and need to pay your spouse their share of the equity, an Owelty lien lets you do it without a full refinance of the existing first mortgage. Most divorce attorneys don't know this option exists.
What you get
- No down payment required
- No monthly private mortgage insurance
- Competitive fixed rates
- Flexible credit requirements
How it works
- 1Prequalify in 15 minutes.Soft credit pull. No commitment. Real numbers.
- 2Get your COE.We pull it for you in most cases through the VA's system.
- 3Close in ~24 days.Dedicated loan officer, transparent milestones, no surprises.