LOAN PROGRAM
VA Loans
A thank-you to those who served and a powerful path to homeownership.
VA loans, guaranteed by the Department of Veterans Affairs, offer the most favorable terms in the mortgage industry. Eligible veterans, active-duty service members, and qualifying surviving spouses can buy a home with zero down and no monthly mortgage insurance.
HIGHLIGHT
0% Down Payment
No down payment required for most eligible borrowers up to county loan limits.
HIGHLIGHT
Competitive Rates
VA rates are typically among the lowest available in the mortgage market.
HIGHLIGHT
No Monthly PMI
VA loans never carry monthly mortgage insurance significant lifetime savings.
HIGHLIGHT
Reusable Benefit
Your VA entitlement can be restored and used again on future homes.
Eligibility & COE
Eligibility is determined by length and type of service. Dana will help you obtain your Certificate of Eligibility (COE) — typically a quick online process. Most veterans qualify after 90 days of active wartime service or 181 days of peacetime service.
VA Funding Fee
In lieu of monthly insurance, the VA charges a one-time funding fee (typically 1.25%–3.3%, depending on down payment and prior use). It can be financed into the loan. Veterans with service-connected disabilities are exempt.
Property & Appraisal
VA appraisals include a Minimum Property Requirements review. Most modern homes pass without issue. Condos must be on the VA-approved list — Dana will check ahead of any offer.
BEST FOR
- Veterans with qualifying service
- Active-duty military
- National Guard & Reserve members
- Surviving spouses of eligible veterans
Other Programs
LET’S TALK
Ready to start your mortgage journey?
One conversation. Real numbers. Honest advice directly from Dana.
