VA Home Loans

Zero‑Down, Flexible, Government‑Backed Financing for Veterans & Active‑Duty Service Members

VA Loans are one of the most powerful mortgage options available, offering eligible veterans, active‑duty service members, and surviving spouses the ability to purchase or refinance a home with no down payment, no mortgage insurance, and competitive interest rates. Backed by the U.S. Department of Veterans Affairs, VA loans make homeownership more affordable and accessible for those who have served our country.

 If you’re comparing low‑down‑payment options, explore our FHA Loans and FHA 100% CLTV programs  

FHA 100% CLTV Program

What Is a VA Loan?

A VA loan is a government‑backed mortgage program designed to help eligible military borrowers buy, refinance, or improve a home. Because the VA guarantees a portion of the loan, lenders can offer more favorable terms, including:

• No down payment required
• No monthly mortgage insurance (PMI)
• Flexible credit and income guidelines
• Lower interest rates compared to conventional loans

VA loans are available nationwide and can be used for primary residences only.

Key Benefits of a VA Loan

• 0% down payment for qualified borrowers
• No PMI (a major monthly savings)
• Competitive interest rates
• Flexible credit requirements
• Low closing costs
• No prepayment penalties
• Assumable loans (subject to lender approval)
• Refinance options available
• VA backing reduces lender risk and improves borrower terms

Who Is Eligible for a VA Loan?

You may qualify if you are:

• An active‑duty service member
• A veteran
• A member of the National Guard or Reserves
• A surviving spouse of a service member who died in the line of duty or from a service‑related disability

Typical service requirements include:

• 90 days of active service during wartime
• 181 days of active service during peacetime
• 6 years in the National Guard or Reserves
• Or meeting specific surviving spouse criteria

A Certificate of Eligibility (COE) is required, and we can help you obtain it.

VA Loan Requirements

Credit

• Flexible credit score guidelines
• No strict minimum set by the VA (lender requirements vary)

Income

• Stable income required
• Residual income guidelines must be met
• Debt‑to‑income ratio typically up to 50%+ depending on automated approval

Down Payment

• 0% down for most borrowers
• Down payment only required if the purchase price exceeds the VA county loan limit

Property Requirements

• Must be a primary residence
• Must meet VA minimum property standards
• VA appraisal required

VA Funding Fee

Most VA loans require a VA Funding Fee, which helps keep the program running. This fee:

• Can be financed into the loan
• Varies based on down payment, loan type, and service history
• Is waived for eligible disabled veterans and surviving spouses

Types of VA Loans Available

• VA Purchase Loan
• VA IRRRL (Interest Rate Reduction Refinance Loan)
• VA Cash‑Out Refinance
• VA Jumbo Loans
• VA Renovation Loans (program‑specific)

VA vs. Conventional Loans

Documentation Needed

Step‑by‑Step VA Loan Process

1. Initial consultation
2. Obtain Certificate of Eligibility (COE)
3. Pre‑approval
4. Home shopping
5. VA appraisal & underwriting
6. Final approval
7. Closing

Why Choose ABC United Finance

ABC United Finance is committed to serving those who have served our country. Our team specializes in VA lending and understands the unique needs of veterans, active‑duty service members, and military families. When you work with us, you benefit from:

• VA‑experienced loan specialists who guide you from start to finish
• Fast, streamlined approvals designed to simplify the process
• Competitive VA rates that help lower your monthly payment
• Clear communication every step of the way
• Flexible qualification options tailored to your financial goals
• A team that truly values your service

Your service deserves exceptional support — and we’re here to deliver it.