VA vs conventional: zero down, funding fee vs PMI, and residual income. Compare with The 2 Mortgage Guys at Luminate Bank, lending nationwide.
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VA Loans
VA vs Conventional
For eligible veterans buying a primary home, VA often wins on zero down and no monthly MI. Ryan & Steve compare both side by side so you pick the loan that saves the most — not just the one you hear about first.
Key differences that affect your down payment, monthly payment, and eligibility.
Most eligible veterans buying a primary home save more with VA.
Conventional is the right tool for some purchases and borrowers.
Run both scenarios before you commit — the cheaper loan is not always obvious.
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Related guides on VA benefits and loan options.
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Ryan & Steve run VA and conventional side by side — down payment, MI, funding fee, and total payment — so you pick the loan that saves the most.