11/11/2026
Things most Veterans do not know about their VA loan: 🇺🇸🏡
1️⃣ Zero Down Payment Required
Eligible military homebuyers can purchase a primary home with $0 down—no need to save up a traditional 20% down payment!
2️⃣ No Monthly Private Mortgage Insurance (PMI)
Unlike conventional loans with less than 20% down or FHA loans, VA loans have NO monthly PMI, saving you hundreds of dollars every single month.
3️⃣ Government-Backed Guarantee
The VA doesn't lend the money directly; instead, they guarantee a portion of the loan from private lenders, which helps unlock super competitive interest rates.
4️⃣ One-Time VA Funding Fee (Can Be Financed!)
Most buyers pay a one-time funding fee (ranging from 0.5% to 3.3% depending on loan type, prior use, and down payment) to keep the program running, and it can be rolled directly into your total loan balance instead of paid out of pocket at closing. (Bonus: As of 2026, the VA funding fee is also tax-deductible for eligible Veterans!)
5️⃣ 10%+ VA Disability = NO Funding Fee (Every Time!)
Veterans receiving (or eligible to receive) VA compensation for a service-connected disability rated at 10% or higher are completely exempt from paying the VA funding fee—and this exemption applies every single time you take out a new VA loan, regardless of how many times you use your benefit!
6️⃣ No Federal Credit Score Minimum
The VA itself does not set a hard credit score floor. While individual lenders set their own minimums, credit guidelines are much more forgiving than conventional loans.
7️⃣ Lifetime, Reusable Benefit
Your VA loan benefit never expires. You can use it multiple times throughout your life, and under certain conditions, you can even hold more than one VA loan at the same time!
8️⃣ Flexible Debt-to-Income (DTI) & Residual Income Rules
VA underwriting looks at your residual income—making sure you have enough cash left over each month after bills to cover everyday living expenses—which allows for higher DTI approvals than most other loan types.
9️⃣ Streamlined Refinancing Options (IRRRL)
If interest rates drop, homeowners with an existing VA loan can use an Interest Rate Reduction Refinance Loan (IRRRL)—a fast, streamlined refinance that often requires no appraisal or heavy income documentation.
🔟 Broad Eligibility Across Branches
Eligibility isn't just for active-duty military and veterans—it also extends to eligible National Guard, Reserve members, and surviving spouses.
If you wish to explore more options or you're ready to try your awesome benefit, give me a call at 📲 559-798-7563.
My husband used his VA loan benefits and I can help you with yours, as I've helped many! If you're ready, let's have a quick chat!
Thank you for your Service and Sacrifice! 🇺🇸
Soldwithluz.com
DRE 02010290
Century 21 Select Group
you're ready! Thank you for your Service and Sacrifice! 🇺🇸
Soldwithluz.com
DRE 02010290
Century 21 Select Group
