Thank you for your service. In a state where the median home clears $800K and civilian buyers scrape together six-figure down payments, your benefit rewrites the math: $0 down with full entitlement and NO loan limit — a $900K home in San Diego works the same as a $400K home elsewhere. No monthly mortgage insurance, either. Add California's disabled-veteran property-tax exemption and veteran specials on many scenarios, priced by an Irvine-based team that works California VA files every week.
Ballpark is fine — VA loans go to $0 down with full entitlement. Check your rate as of .
Purchase price you're considering
Thank you for your service — these two answers unlock the exemptions you earned.
Your service profile
Do you receive (or are you eligible for) VA disability compensation?
Your best estimate is fine — it's confirmed later in the process.
Making offers now? Say so — ASAP letters jump the queue.
City and state is all we need — it sets your programs and pricing. Then a 10-second affordability check.
Quick affordability check
Include student loans, credit cards, and car payments. Don't include rent.
Last step — where should we send your VA options? A real person follows up, so use the email and phone you actually check.
You've been matched. A licensed specialist will match it against VA programs across the lender network — including your funding-fee exemption check — and reach out with real options.
Fit is based on the answers you provided and is not a loan approval. Loan options are subject to verification, credit approval, and underwriting.
These benefits aren't a sales pitch. They're what you earned. Our job is making sure you get every dollar of them.
No document hunt, no VA paperwork maze, no waiting rooms.
Sixty seconds: what you're doing, rough numbers, and your service background comes later — no DD-214 needed to see options. No SSN, no hard credit pull.
~60 secondsYour Certificate of Eligibility pulled for you, funding-fee exemption checked, and your scenario matched across 90+ lenders — including dedicated VA specialists who compete on rate.
1 business dayA licensed specialist walks you through the matches and any veteran specials that apply. Documents start only after you've chosen a direction.
You decideWith full entitlement there's no down payment and no loan limit — the strongest buying benefit in American lending. It's not a promotion; it's what you earned. Sellers can even cover closing costs.
Conventional loans under 20% down charge PMI every month; FHA charges it for years or life. VA loans charge none, ever — often hundreds a month saved versus the same price house on another loan.
The VA sets no minimum credit score, and VA underwriting uses residual income — real-life math that's kinder to families. Rough credit patches that sink conventional files often still work here.
VA rates typically run below conventional. And the benefit isn't one-time: you can use it again on your next home, and streamline-refinance (IRRRL) later with minimal paperwork.
Same house, same buyer — different rules, because you served.
| VA · what you earnedTHANK YOU FOR YOUR SERVICE | Conventional | FHA | |
|---|---|---|---|
| Minimum down payment | $0 with full entitlement | 3–20% | 3.5% |
| Monthly mortgage insurance | None — ever | PMI under 20% down | MIP — often for life |
| Minimum credit score | No VA minimum (lender ~580–620) | 620+ | 580+ |
| Typical rate | Usually the lowest | Higher | Comparable, plus MIP |
| Upfront fee | Funding fee — waived if exempt* | None | 1.75% upfront MIP |
| Seller can pay closing costs | Yes — generous limits | Limited | Limited |
| Streamline refi later | Yes — IRRRL, minimal docs | Full refi | FHA streamline |
| Reusable | Yes — again and again | — | — |
Thank you for your service — your VA options within one business day, with your funding-fee exemption checked. No SSN, no hard pull, no obligation.
See My VA Options Now