You served. This is yours. Use it.
Zero down. No mortgage insurance. An exceptional benefit for those who served. And I actually know how it works.
Overview
The VA home loan is the most powerful mortgage benefit available to anyone. Zero down payment. No monthly mortgage insurance. Rates that typically come in below conventional. No loan limit with full entitlement.
Most lenders offer VA loans. Fewer actually know how to handle them. Entitlement calculations. Funding fee exemptions. Using the benefit a second or third time. Buying a duplex with zero down. Refinancing a property you've PCS'd away from. These are the details where experience shows.
I handle VA loans regularly. Not as a side offering. Regularly. I know the entitlement math, I know the funding fee schedule, and I know which lenders process VA files without the delays that frustrate veterans and their agents. If you've served, this benefit is yours. You should use it with someone who won't fumble the file.
Key Details
How I Handle This
First thing I do is pull your Certificate of Eligibility and calculate available entitlement. If you've used the benefit before, I figure out what's left and whether restoration makes sense. Then I price it across VA-approved lenders in my network and find the right fit.
One person handles your file. Questions go to me, not a call center. If you already have a VA loan and rates have dropped, see the VA IRRRL streamline.
Questions I Get
Do VA loans require a down payment?
No. Zero down with full entitlement. Regardless of purchase price. This is unique to VA.
What is the funding fee and can I avoid it?
It's a one-time charge that goes to the VA. Varies by usage and down payment. Veterans receiving any VA disability compensation are fully exempt. So are surviving spouses receiving DIC.
Can I use my VA benefit more than once?
Yes. It's reusable. You can even have two VA loans active simultaneously in certain situations. I handle the entitlement calculations.
Do sellers in Austin accept VA offers?
More than they used to. A clean VA offer from a borrower with strong pre-approval closes just as smoothly as conventional. I make sure your file is airtight so your agent can present with confidence.
Can I buy a duplex with a VA loan?
Yes. Up to four units with zero down as long as you live in one. A wealth-building strategy available to veterans that most don't know about.
Ready to use your VA benefit?
Send me your scenario or your COE. I'll calculate your entitlement, check your funding fee exemption status, and tell you exactly what you qualify for.