VA Home Loans
in Virginia, Maryland & Washington DC
⭐ 5-Star Client Reviews ✔ Licensed Mortgage Professionals ⚡ Fast Closings
Zero Down Payment • No PMI • Competitive VA Mortgage Rates for Eligible Veterans
✔No impact on your credit to check eligibility
✔Fast approvals 24–48 hours
✔Local experts in VA, MD and DC
VA home loans allow eligible veterans, active-duty service members, and surviving spouses in Virginia, Maryland, and Washington DC to purchase homes with zero down payment and no private mortgage insurance.
VA loans offer 0% down payment, no monthly mortgage insurance (PMI), competitive interest rates, and flexible qualification guidelines — making homeownership more affordable for those who have served our country.
Backed by the U.S. Department of Veterans Affairs, VA mortgages are designed to reward your service with real financial advantages.
If you’re comparing low-down-payment options, you can also explore our FHA Loan programs including FHA 100% CLTV options.
What Is a VA Home Loan?
A VA home loan is a government-backed mortgage program guaranteed by the U.S. Department of Veterans Affairs. Because the VA guarantees a portion of the loan, lenders can offer more favorable terms than many conventional mortgage programs.
VA loans can be used to:
- Purchase a primary residence
- Refinance an existing mortgage
- Access home equity through a VA cash-out refinance
- Lower your rate using a VA IRRRL (Interest Rate Reduction Refinance Loan)
VA mortgages are available exclusively for primary residences and cannot be used for investment properties.
Check your VA loan eligibility in minutes with our secure online pre-approval — with no impact to your credit.
Key Benefits of a VA Mortgage
✔ 0% down payment for qualified borrowers
✔ No monthly mortgage insurance (PMI)
✔ Competitive interest rates
✔ Flexible credit score guidelines
✔ Higher allowable debt-to-income ratios (case-by-case)
✔ Limited closing costs
✔ No prepayment penalties
✔ Assumable loan options (subject to approval)
✔ VA backing reduces lender risk and improves borrower terms
For eligible veterans in VA, MD, and DC, this often results in lower upfront costs and reduced monthly payments compared to conventional loans.
Who Is Eligible for a VA Loan?
You may qualify for a VA mortgage 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
- Meeting VA surviving spouse guidelines
Not sure if you qualify? Our VA loan specialists can quickly review your eligibility and help you obtain your Certificate of Eligibility (COE).
Pre-qualification takes just a few minutes and will not impact your credit score.
VA Loan Requirements
Credit Requirements
The VA does not set a strict minimum credit score, but lenders may have guidelines. VA loans are generally more flexible than conventional mortgages.
Income & Debt Guidelines
- Stable, verifiable income required
- Must meet VA residual income standards
- Debt-to-income ratios may exceed 50% with strong compensating factors
Down Payment
- 0% down for most qualified borrowers
- Down payment may be required in certain high-balance scenarios
Property Requirements
- Must be a primary residence
- Must meet VA minimum property standards
- VA appraisal required
Not sure if you meet all the VA loan requirements? Our team can quickly review your eligibility.
VA Loan Limits
VA loans no longer have official loan limits for borrowers with full entitlement. However, county loan limits may apply in certain circumstances depending on your remaining entitlement and loan structure.
Our VA loan specialists can review your eligibility and determine your maximum purchasing power.
VA Funding Fee Explained
Most VA loans require a one-time VA Funding Fee, which helps keep the program self-sustaining.
- Can typically be financed into the loan
- Varies based on down payment, loan type, and service history
- Waived for eligible disabled veterans and qualifying surviving spouses
Some veterans may be exempt from the VA funding fee due to service-related disabilities.
Ready to take the next step toward using your VA loan benefits?
Types of VA Loans Available
VA Purchase Loan
Buy a home with 0% down and no PMI.
VA IRRRL (Interest Rate Reduction Refinance Loan)
Also known as a VA Streamline Refinance, this program allows existing VA borrowers to lower their interest rate with minimal documentation.
VA Cash-Out Refinance
Access equity or refinance a non-VA loan into a VA mortgage.
VA Jumbo Loans
For higher-priced homes above standard conforming limits.
VA Renovation Loans
Program-specific options for eligible property improvements.
Not sure which VA loan option is right for you? Our VA loan specialists can help you choose the best option for your situation.
VA Loan vs Conventional Loan: Key Differences
| Feature | VA Loan | Conventional Loan |
|---|---|---|
| Down Payment | 0% | 3%–20% |
| Mortgage Insurance | None | Required under 20% down |
| Credit Flexibility | Higher | Moderate |
| Interest Rates | Often Lower | Market-based |
| Eligible Borrowers | Veterans & Military | General Borrowers |
For many veterans in Virginia, Maryland, and DC, VA financing provides substantial long-term savings.
For eligible veterans and service members, VA loans can offer significant long-term savings compared to conventional financing.
Documents Needed for a VA Home Loan
- Certificate of Eligibility (COE)
- DD-214 (for veterans)
- Statement of Service (for active-duty members)
- Recent pay stubs or LES
- Two years of W-2s or tax returns
- Bank statements
- Government-issued ID
Step-by-Step VA Loan Process
- Initial consultation
- Obtain Certificate of Eligibility
- Pre-approval
- Home shopping
- VA appraisal and underwriting
- Final approval
- Closing
Our team guides you through each step to ensure a smooth and stress-free process.
Why Choose ABC United Finance for Your VA Loan?
ABC United Finance Corp (NMLS #1655154) proudly serves veterans and military families throughout Virginia, Maryland, and Washington DC.
When you work with us, you receive:
✔ VA-experienced mortgage specialists
✔ Fast, streamlined approvals
✔ Competitive VA home loan rates
✔ Clear communication at every stage
✔ Flexible qualification solutions
✔ A team that respects and values your service
Your service deserves exceptional support — and we’re here to deliver it.
Areas We Serve
ABC United Finance proudly provides VA home loans and mortgage lending services to eligible veterans and active-duty service members across Virginia, Maryland, and Washington DC.
We serve borrowers throughout Northern Virginia including:
- Fairfax County
- Arlington County
- Alexandria
- Montgomery County
- Prince George’s County
- Washington DC metro area
Ready to explore your VA home loan options in Virginia, Maryland, or Washington DC?
Get a Quick VA Loan Quote
✔ No obligation
✔ No impact on your credit to check eligibility
✔ Speak directly with a VA loan specialist
Frequently Asked Questions About VA Loans
Do VA loans require a down payment?
No. Most qualified borrowers can purchase a home with 0% down.
Do VA loans require mortgage insurance?
No. VA loans do not require monthly PMI.
Can I use a VA loan more than once?
Yes. VA entitlement can often be restored and reused.
Can I buy an investment property with a VA loan?
No. VA loans are for primary residences only.
Can I refinance with a VA loan?
Yes. Through a VA IRRRL or VA Cash-Out refinance program.
What is the VA Funding Fee?
A one-time fee that can be financed into the loan. It may be waived for eligible disabled veterans.
How long does VA loan approval take?
Most VA loan approvals take 30–45 days, depending on the lender, documentation, and appraisal timeline.
Ready to Use Your VA Benefits?
Whether you’re purchasing your first home in Virginia, refinancing in Maryland, or exploring options in Washington DC, our VA mortgage specialists are ready to help you maximize your earned benefits.
Check your VA eligibility in 60 seconds and discover your options today.