Real veterans. Real homes. Real savings.
Huntington Beach, CA · Closed with VA Loan · Zero Down
Zero Down Payment
Buy a home with no down payment — one of the most powerful benefits available to veterans.
- No down payment required on primary residence purchases
- Loan limits tied to conforming loan limits (no cap in most cases)
- Funding fee can be financed into the loan
- Disabled veterans may be exempt from the funding fee
Quick Summary
No Mortgage Insurance (PMI)
Unlike FHA and conventional loans, VA loans never require private mortgage insurance — saving you hundreds every month.
- No monthly PMI regardless of down payment amount
- Conventional buyers with <20% down pay $100–$300/mo in PMI
- Over a 30-year loan, that's $36,000–$108,000 in savings
- Your VA benefit makes your monthly payment significantly lower
Quick Summary
VA Loan Assumptions
A VA loan assumption allows a buyer to take over your existing VA loan — including your locked-in interest rate. This is a massive selling advantage.
- Buyer assumes your existing loan rate (e.g., 3.5% vs today's 7%+)
- Saves buyer $400–$800/month compared to new financing
- Makes your home far more attractive to buyers
- Both veterans and non-veterans can assume VA loans
- You can restore your entitlement after the assumption closes
Quick Summary
VA Entitlement Explained
Your VA entitlement is the amount the VA guarantees on your loan. Understanding it helps you buy with zero down — even if you've used your VA loan before.
- Full entitlement = no loan limit, no down payment required
- Bonus entitlement available in high-cost areas like Orange County
- You can have two VA loans at once in some situations
- Entitlement is restored when you sell and pay off the VA loan
- Partial entitlement still allows VA financing with possible down payment
Quick Summary
VA Loan Rates & Terms
VA loans consistently offer lower interest rates than conventional loans because the VA guarantee reduces lender risk.
- VA rates are typically 0.25%–0.5% lower than conventional
- Available in 15, 20, and 30-year fixed terms
- Adjustable-rate VA loans also available
- Rate buy-downs can lower your rate even further
- No prepayment penalties on VA loans
Quick Summary
Ready to Use Your VA Benefit?
Get a free personalized assessment of your VA loan options.
