Overview
VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs, available to active-duty service members, veterans, and eligible surviving spouses. They're arguably the best mortgage product available — zero down payment, no private mortgage insurance, competitive interest rates, and flexible qualification standards. If you've served, this is a benefit you've earned and we'll make sure you use it to its full advantage.
Who It's For
How It Works
Eligibility Check
We help you obtain your Certificate of Eligibility (COE) and confirm your entitlement.
Pre-Approval
VA-specific pre-approval with zero-down scenario analysis.
VA Appraisal
VA appraisals have specific requirements — we know what to expect.
Close
Zero down, no PMI. Your monthly payment starts and you're home.
Requirements
These are general guidelines, not a quote or commitment to lend. Actual terms depend on credit approval, income, and underwriting — not all applicants will qualify, and programs and requirements are subject to change without notice. Through Movement Mortgage we have access to additional programs with different requirements. Contact David & Bri for options specific to your situation.
Pros & Cons
Advantages
Considerations
Calculator
Loan Details
$0 is allowed on VA loans.
Auto-calculated from price minus down payment. Edit to override.
Annual rate. Use 0.125% increments.
VA Eligibility
Select "Subsequent Use" if you have previously used a VA loan.
Service-connected disability rating waives the funding fee.
VA Funding Fee: 2.15%($9,675)
One-time fee charged by the VA
Roll the fee into the loan balance instead of paying at closing.
Property Costs
Check your county assessor's website for exact amounts.
Typical range: $1,200–$3,600 per year.
Leave at $0 if not applicable.
Your Estimated Monthly Payment
$3,505
30-year fixed at 6.5%
No monthly mortgage insurance — a key VA benefit saving you money every month.
Funding Fee Summary
Fee %
2.15%
Fee Amount
$9,675
Total Loan
$459,675
fee financed
Down Payment
0.0%
$0
Total Interest
$586,290
over 30 years
Payoff Date
July 2056
360 payments
Payment Composition
Amortization Schedule
This calculator provides estimates for informational purposes only. VA funding fee rates are based on current VA guidelines and may change. Actual rates, payments, and fees may vary based on your eligibility, lender, and loan scenario. Veterans with a service-connected disability rating may be exempt from the funding fee. Contact a VA-approved lender for a personalized quote.
FAQ
4 questions
How do VA loans work?
+
The VA doesn't lend money directly — they guarantee a portion of the loan, which lets lenders offer zero down payment and no PMI. You still get your mortgage from a lender like us, but the VA backing means better terms.
What is the VA funding fee?
+
A one-time fee of 1.25-3.3% of the loan amount, depending on your down payment and whether it's your first VA loan. It can be rolled into the loan. Veterans with service-connected disabilities are exempt.
Can I use my VA benefit more than once?
+
Yes. VA loan entitlement can be reused. If you've paid off a previous VA loan or sold the home, your full entitlement is typically restored.
Do VA loans have loan limits?
+
For veterans with full entitlement, there are no loan limits — you can borrow as much as a lender will approve. Reduced entitlement borrowers may have county-based limits.
Ready to explore va loans?
Schedule a complimentary consultation. We'll review your situation and tell you honestly whether this is the right move.