Your Service Deserves the Best—VA Home Loans

with No Down Payment

VA loans offer zero down payment, no PMI, and flexible credit requirements, making homeownership easier for veterans, active-duty military, and eligible spouses.

A Mortgage Built for Those Who Served.

A VA home loan is a government-backed mortgage available exclusively to veterans, active-duty service members, and eligible spouses. Backed by the U.S. Department of Veterans Affairs (VA), these loans offer affordable financing with special benefits to help military families achieve homeownership.

Key Benefits of VA Loans:

Zero Down Payment – Buy a home with 100% financing, no down payment required.

No Private Mortgage Insurance (PMI) – Save hundreds per month compared to conventional loans.

Lower Interest Rates – VA loans often offer better rates than conventional loans.

Easier Credit & Income Requirements – No strict credit score minimums, with flexible DTI limits.

No Loan Limits – Borrow as much as you qualify for without restrictions.

Streamlined Refinancing – VA IRRRL (Interest Rate Reduction Refinance Loan) allows easy refinancing for lower payments.

Are You Eligible for a VA Home Loan?

To qualify for a VA loan, you must meet one of the following service requirements:

1️⃣ Active-Duty Military: Served at least 90 consecutive days.

2️⃣ Veterans: Served 181 days during peacetime or 90 days during wartime.

3️⃣ National Guard & Reserves: 6 years of service or 90 days of active duty.

4️⃣Surviving Spouses: Unmarried spouses of service members who died in the line of duty or as a result of service-related injuries

Other Requirements:

Certificate of Eligibility (COE): Proof of military service (we can help you obtain it!).

Credit & Income: Most lenders prefer a 580+ credit score and stable income.

Check Your VA Loan Eligibility

Find the Right VA Loan for Your Needs.

VA Purchase Loan (Best for buying a new home)

Buy a home with no down payment and no PMI.

VA Cash-Out Refinance (Access your home’s equity)

Refinance your existing home loan and take cash out for renovations, debt consolidation, or expenses.

VA IRRRL (Streamlined Refinance)

(Lower your interest rate with minimal paperwork)

Available for current VA loan holders looking to reduce their monthly mortgage payments.

Native American Direct Loan (NADL) (For Native American veterans)

A VA-backed loan for Native American veterans buying on Federal Trust Land.

Explore VA Loan Options

Answers to Common VA Loan Questions.

Can I use a VA loan more than once?

Yes! VA loans are reusable as long as you meet eligibility requirements.

Do VA loans require a down payment?

No, VA loans offer 100% financing for qualified buyers.

Are there income limits for VA loans?

Yes! Certain loans, like FHA 203(k) and Fannie Mae’s HomeStyle loan, allow financing for renovations.

Can I buy an investment property with a VA loan?

No, VA loans are for primary residences only.

What is the VA funding fee?

The VA funding fee helps sustain the program. It ranges from 2.15% to 3.3%, but some veterans with service-connected disabilities are exempt.

Still Have Questions? Let’s Talk!

Your Service Deserves the Best Home Loan.

If you’ve served, you’ve earned exclusive home loan benefits that can make homeownership more affordable. Let’s get you pre-approved today!

Get Pre-Approved Now

Schedule a Free Consultation

Harmony Home Mortgage provides expert home loan solutions, including FHA, VA, Conventional, USDA, and Non-QM loans. Licensed in FL, GA, NC, SC, and MI, we make homeownership simple and stress-free.