PRIMARY-RESIDENCE FINANCING
VA
Home financing for eligible military borrowers.
How it works
VA-backed home loans may offer eligible veterans, service members, and qualifying surviving spouses a primary-residence financing option. A Certificate of Eligibility establishes entitlement information but does not replace lender underwriting.
Understand the tradeoffs
Ask about any funding-fee exemption, remaining entitlement, occupancy, and cash needed at closing. VA loans do not require monthly mortgage insurance; other costs can still apply.
What to prepare
Certificate of Eligibility, service information as needed, income and asset records, and details of any prior VA loan.
Your next conversation
Tell John about your planned occupancy, timeline, comfortable monthly budget, and available funds. Ask for a comparison that includes interest, fees, mortgage insurance where applicable, and ongoing property costs. No program description is an approval or a commitment to lend.