VA Home LoansBuilt for Those Who Served.
Whether you're buying your first home, moving to a new duty station, or settling down after service the VA Home Loan is the most powerful mortgage benefit in America. Let us put it to work for you.
The VA Home Loan America's Strongest Mortgage Benefit
The VA Home Loan program was signed into law in 1944 as part of the GI Bill a promise to the men and women who put their lives on the line that their country would stand behind them when they came home.
Eight decades later, that promise is stronger than ever. The VA Home Loan gives eligible veterans, active-duty service members, and surviving spouses access to home financing terms that simply don't exist anywhere else in the market: no down payment, no mortgage insurance, and interest rates consistently lower than conventional alternatives.
This isn't a charity program, it's a benefit you've earned through your service. At Quantico Mortgage, our job is to make sure you use every dollar of it.
Key VA Home Loan Advantages
- ✓ No down payment required on purchase
- ✓ No private mortgage insurance (PMI), ever
- ✓ Competitively low interest rates
- ✓ Flexible credit and income qualification
- ✓ Limits on allowable closing costs
- ✓ No prepayment penalty, pay it off early
- ✓ Loan is assumable by a qualified buyer
- ✓ VA-backed foreclosure avoidance assistance
- ✓ Benefit is reusable not a one-time offer
- ✓ No loan limit with full entitlement (since 2020)
Types of VA Home Loans
The VA Home Loan isn't a single product, it's a family of loan options designed to cover every stage of your homeownership journey.
VA Purchase Loan
Buy a home with no down payment and no PMI. Available for single-family homes, condos, multi-unit properties, and new construction.
Most PopularVA IRRRL (Streamline Refi)
Lower your current VA loan rate with minimal paperwork, no appraisal in most cases, and no out-of-pocket costs at closing.
Quick & SimpleVA Cash-Out Refinance
Tap into your home equity to pay off debt, fund improvements, or cover major expenses even if your current loan isn't a VA loan.
Access Your EquityNative American Direct Loan
Eligible Native American veterans can purchase, build, or improve a home on federal trust land with direct VA financing and below-market rates.
Specialized ProgramAdapted Housing Grants
Veterans with service-connected disabilities may qualify for SAH or SHA grants to build or modify a home for accessibility needs.
Disability BenefitVA Energy Efficient Mortgage
Add up to $6,000 of energy efficiency upgrades solar, insulation, HVAC directly into your VA purchase or refinance loan.
Green UpgradeVA Loan vs. Other Loan Programs
See exactly where the VA Home Loan wins and why no conventional product comes close for eligible borrowers.
| Feature | VA Home Loan | FHA Loan | Conventional Loan | USDA Loan |
|---|---|---|---|---|
| Down Payment | $0 (0%) | 3.5% minimum | 3–20% | $0 (rural only) |
| Mortgage Insurance | None — ever | MIP for life of loan | PMI until 20% equity | Annual guarantee fee |
| Interest Rates | Below market avg. | Near market rate | Market rate | Below market |
| Credit Score Required | No VA minimum | 580+ (3.5% down) | 620+ typical | 640+ typical |
| Loan Limits | None (full entitlement) | County limits apply | Conforming limits | County limits apply |
| Prepayment Penalty | Never | Possible | Possible | Possible |
| Who Qualifies | Military/Veterans only | Any borrower | Any borrower | Rural areas only |
| Assumable | Yes | Yes | Rarely | No |
From Application to Keys in Hand
Our VA specialists guide you through every step so nothing slips through the cracks.
Confirm Your Eligibility & Get Your COE
We start by obtaining your Certificate of Eligibility directly from the VA usually within minutes using the VA's automated system. This document confirms your entitlement to lenders and unlocks your benefit. No DD-214? We'll help you gather what's needed.
Pre-Qualification — Know Your Budget
We review your income, debts, employment history, and credit profile to determine the loan amount you qualify for. You'll receive a pre-qualification letter to show sellers you're a serious, ready buyer giving you an edge in competitive markets.
Find Your Home & Go Under Contract
Work with your real estate agent to find the right property. Once you've made an offer and the seller accepts, you're under contract. We'll move quickly from this point VA loans don't have to take longer than conventional ones.
VA Appraisal & Underwriting
A VA-approved appraiser verifies the home's market value and checks that it meets VA Minimum Property Requirements. Simultaneously, our underwriters review your full file. We keep you informed every step of the way no surprises.
Clear to Close & Settlement
Once underwriting issues final approval, we coordinate your closing date. You'll review and sign your loan documents, and the home is officially yours. From application to closing typically takes 30–45 days with an experienced VA lender.
Why Veterans Choose Quantico Mortgage
We're not a big-box lender. We're a mortgage team that specializes in VA loans and we take that responsibility seriously.
VA Loan Specialists Not Generalists
Our team works VA loans every day. We know the nuances, the edge cases, and how to get the best outcome for borrowers that general lenders routinely turn away.
Fast Pre-Qualification
We can typically issue a pre-qualification decision within 24 hours of receiving your documents. In competitive markets, speed matters and we move at the pace you need.
Transparent, No-Surprise Process
We explain every fee, every step, and every decision in plain language. You'll never wonder what's happening with your loan we keep you informed from day one to closing day.
Military Community Roots
We understand PCS moves, BAH income, deployment gaps, and the unique financial situations that come with a life in service. We speak your language.
Competitive Rates, Every Time
We shop and negotiate on your behalf to ensure you're getting the most competitive rate your profile qualifies for. A fraction of a percent saves you thousands over the life of your loan.
Real People, Real Support
You'll work with a dedicated loan officer not a call center. Questions get answered, calls get returned, and your loan gets the personal attention it deserves.
VA Home Loan FAQ
Who is eligible for a VA Home Loan?
Eligible borrowers include veterans, active-duty service members, National Guard and Reserve members with qualifying service, and surviving spouses of veterans who died in service or from a service-connected disability.
Is the VA Home Loan only for first-time buyers?
Not at all. You can use a VA loan whether it's your first home or your fifth. As long as you have sufficient entitlement and meet lender requirements, the benefit is available every time you buy.
Can I use a VA loan if I have bad credit?
The VA doesn't set a minimum credit score. Most lenders we work with approve borrowers with scores in the 580–620 range. If your credit needs work, we can advise you on next steps and realistic timelines.
Can surviving spouses use a VA Home Loan?
Yes. Eligible surviving spouses of veterans who died in service or from a service-connected disability can use the VA Home Loan benefit, provided they have not remarried (with certain exceptions).
What is the VA Funding Fee and can I avoid it?
The VA Funding Fee is a one-time fee (typically 2.15% for first-time use) that sustains the program. Veterans receiving VA disability compensation are exempt. Others can roll it into the loan with no out-of-pocket cost.
Can I buy an investment property with a VA loan?
VA loans require the borrower to occupy the property as their primary residence. You cannot use a VA loan for a pure investment property but you can buy a multi-unit home (up to 4 units), live in one, and rent the others.
What happens to my VA loan if I'm deployed?
Active-duty borrowers have protections under the Servicemembers Civil Relief Act (SCRA), which can cap your interest rate and provide other financial safeguards during deployment. Contact us and we'll walk you through your options.
How is the VA appraisal different from a regular appraisal?
A VA appraisal determines market value AND verifies the home meets VA Minimum Property Requirements for safety, soundness, and sanitation. It's a more thorough review than a standard appraisal and it protects you as the buyer.
Your VA Benefit Is Waiting, Let's Use It
Tens of thousands of eligible veterans never use their VA Home Loan benefit. Don't be one of them. Our specialists are ready to guide you from eligibility check to closing day.
Free consultation. No obligation. No hard credit pull to start.
Operated by Duane Buziak Mortgage Maestro, Coast2Coast Mortgage, LLC NMLS: 376205 / Duane Buziak NMLS#1110647 / NMLS Consumer Access / Legal Disclaimer – “Equal Housing Lender” This information is not intended to be an indication of loan qualification, loan approval or commitment to lend.
Social Media
Quick Links
Open Hours
- Sun: Open 24 hours
- Mon: Open 24 hours
- Tues: Open 24 hours
- Wed: Open 24 hours
- Thu: Open 24 hours
- Fri: Open 24 hours
- Sat: Open 24 hours
All licensing information can be verified through the NMLS Consumer Access database.