VA Loan
Zero down. No PMI. You've earned it.
VA loans are one of the most powerful mortgage benefits available to eligible veterans, active-duty service members, and surviving spouses. No down payment, no PMI, and competitive rates.
Key Advantages
Why Choose a VA?
Here's what sets this loan product apart and who it works best for.
Zero Down Payment
Eligible veterans can purchase a home with no down payment whatsoever.
No Private Mortgage Insurance
VA loans never require PMI, saving hundreds of dollars per month compared to other low-down programs.
Competitive Interest Rates
VA-backed loans typically carry lower rates than conventional loans due to the government guarantee.
Flexible Credit Guidelines
More lenient credit and income requirements than conventional loans, with no set minimum credit score by VA.
Calculator
Purchase Calculator
Estimate your monthly payment for a home purchase.
Loan Term
Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
Eligibility
Qualification Requirements
General guidelines for VA Loan eligibility. Requirements vary by lender and scenario.
| Requirement | Guideline |
|---|---|
| Eligibility | Eligible veteran, active-duty service member, or surviving spouse |
| Down Payment | None required |
| PMI | Not required |
| VA Funding Fee | Financed into loan; waived for disabled veterans |
| Property Type | Primary Residence only |
| Certificate of Eligibility | Required (we can help obtain) |
These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.
FAQ
Frequently Asked Questions
Common questions about VA Loan loans.
Get Started Today
Ready to explore VA Loan?
Answer a few quick questions and get a personalized strategy recommendation — including whether VA is right for your situation.
VA-approved lender. Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.
Explore More
Related Loan Products
Explore other products that may complement your strategy.
Conventional Loan
Flexible, widely-used, and competitively priced
Conventional loans conform to Fannie Mae and Freddie Mac guidelines and offer some of the lowest rates available. With loan limits up to $766,550 (and higher in high-cost areas), they cover most purchase scenarios.
Learn moreFHA Loan
Government-backed, low down payment, accessible
FHA loans are insured by the Federal Housing Administration and designed for borrowers with lower credit scores or limited down payments. A popular choice for first-time homebuyers.
Learn morePurchase Loan
Buy the home you've been waiting for
Whether this is your first home or your fifth, a purchase loan gets you across the finish line. We offer competitive rates, expert guidance, and a streamlined process so you can close with confidence.
Learn more