The Complete Guide to VA Home Loans
Zero down, no PMI: everything eligible veterans need to know.
October 4, 2026 · 7 min read
VA loans are one of the best benefits available to military families.
Benefits
- No down payment
- No private mortgage insurance
- Competitive rates and limited closing costs
Eligibility
Veterans, active-duty members, certain National Guard and Reserve members and some surviving spouses qualify. You will need a Certificate of Eligibility.
The funding fee
Most borrowers pay a one-time funding fee, which can be rolled into the loan. Veterans with service-connected disabilities are exempt.