For Veterans & Military
VA Loans
Zero down payment, no mortgage insurance, and competitive rates for those who have served our country.
Get Pre-Approved
Skip to main content
Benefits of VA Financing
VA loans are one of the most powerful mortgage benefits available, offering significant savings and flexibility for eligible service members and veterans.
$0 down payment required
No monthly mortgage insurance
Competitive interest rates
Flexible credit requirements
No prepayment penalties
Assumable mortgages
VA Loan Eligibility
Service Requirement90+ days active duty
National Guard/Reserve6+ years service
Credit ScoreNo minimum (varies by lender)
Down Payment$0 required
Funding Fee1.4% - 3.6%
VA Loan Calculators
See what your monthly payment could look like with a VA loan. No mortgage insurance, $0 down payment, just the VA funding fee.
Loan Type
Service Type
VA Funding Fee
Veterans with a service-connected disability rating may be exempt from the funding fee. Click EXEMPT if this applies to you.
$0 down
Estimated Monthly Payment
$0 /mo
Principal & Interest
$0
Property Tax
$0
Home Insurance
$0
Mortgage Insurance
$0
HOA Dues
$0
Loan Amount
$0
Down Payment
$0
VA Funding Fee
$0
Total Loan Amount
$0
Estimates for informational purposes only. Actual payment depends on final rate, taxes, and insurance. Not a commitment to lend.
Second-Tier VA Entitlement
VA Bonus Entitlement Calculator
Estimate the VA guaranty you may still have available when another VA loan is using part of your entitlement.
2026 baseline $832,750. High-cost counties may be higher.
From your Certificate of Eligibility.
Your Estimate
Remaining Entitlement
$0
Max with $0 Down
$0
25% Guaranty Needed
$0
Est. Down Payment
$0
Estimates for informational purposes only. Actual entitlement and guaranty are determined by the VA. Not a commitment to lend.
Free First-Time Homebuyer Guide
Get our exclusive step-by-step guide to buying your first home. No spam, ever — just expert advice from Ryan & Steve.
Mortgage Knowledge Center
Common VA Loan Questions
Straight answers to the questions veterans ask us most — from zero-down eligibility and credit to income, documents, refinancing, and how VA compares to conventional.
What Is a VA Loan?Who Qualifies for a VA Loan?What Credit Score for a VA Loan?Are VA Loans Really Zero Down?What Is the VA Funding Fee?Who Is Exempt from the Funding Fee?What Is a Certificate of Eligibility?How Does VA Entitlement Work?What Is VA Residual Income?What Debt Ratio Does VA Allow?Can I Use Gift Funds on a VA Loan?How Does VA Calculate Student Loans?Can I Qualify After Bankruptcy?How Long After Foreclosure for VA?Can I Buy After a Short Sale?Can I Finance a Manufactured Home With VA?Can I Refinance With a VA Loan?What Is a VA IRRRL (Streamline Refinance)?What Is a VA Cash-Out Refinance?Does VA Require Reserves?Can I Qualify With Collections on VA?Can I Qualify With Low Credit on VA?Can Overtime Count for a VA Loan?Can Commission Count for a VA Loan?Can I Qualify With Part-Time Income on VA?What Documents Are Required for a VA Loan?Is VA Better Than Conventional?
2MG Daily
Latest VA Insights
Recent articles from our blog covering VA loans, entitlement, and veteran homebuying tips.
Thank You For Your Service
Let The 2 Mortgage Guys help you make the most of your VA benefit.
Get Started