ZERO Down VA Home Loans for Veterans

Why Choose Our Veteran Home Loans?

Buying a home with your VA benefits should be simple, fast, and affordable. Our veteran-focused loan team helps you qualify with flexible credit options, no down payment, and faster closings — so you can move in sooner with confidence.

Flexible Credit Options

We help veterans qualify even with lower credit scores. 620+ can get you approved, and 700+ unlocks our best rates.

Zero Down, Zero PMI

Buy your home with no down payment and no private mortgage insurance, saving you thousands upfront and monthly.

Fast, Hassle-Free Closings

Our VA loan team specializes in veteran approvals. We handle the red tape so you can close in days, not weeks.

Top VA Home Loan Lender for Veterans & Active Duty Service Members

Pro Mortgage Funding | NMLS #2119829

Helping Veterans Secure Homes with $0 Down

VA Purchase & Rate Reduction Options
Credit Scores from 620+ Accepted
$0 Down Payment
No Private Mortgage Insurance
Same Day Approvals
Fast 5-21 Day Fundings
Dedicated Veteran Loan Specialists

(866) 388-8291

Discover If You Qualify for VA Home Financing

Instant Qualification Check

Find out in minutes if you meet VA loan requirements.
No obligation and no impact on your credit score.
Get personalized results tailored to your financial situation.

VA Loan FAQs for Our Nation's Veterans

Thank you for your service to our country. You've earned the benefit of a VA home loan, and we're here to guide you through the process. This FAQ section is designed to answer your questions and show you how we can help you achieve your homeownership goals.

What credit score do I need for a VA loan?

While the Department of Veterans Affairs (VA) doesn't set a minimum credit score, most lenders, including us, look for a score of 620 or higher. Reaching this benchmark makes the loan process smoother and more straightforward. For veterans with a credit score of 700 or higher, we can offer our most competitive interest rates and terms, saving you a significant amount of money over the life of your loan. We are committed to working with veterans to help them understand their credit and find the best path to homeownership.

Is a down payment required for a VA loan?

One of the most significant advantages of a VA loan is that, in most cases, no down payment is required. This is a benefit you have earned through your service, allowing you to purchase a home without the financial burden of a large upfront payment. This makes homeownership more accessible and affordable for our nation's veterans.

How long does the VA loan approval process take?

We understand that your time is valuable. The VA loan approval process is typically faster than many other loan types, often closing in 21-30 days from application to funding and 5-7 days for rate reduction refinances. For veterans with a credit score of 620 or higher, the process can be even more streamlined. We can often provide a pre-approval within 48 hours of receiving your credit report and basic information, giving you a competitive edge when making an offer on a home.

Can I qualify for a VA loan without perfect credit?

Absolutely. The VA loan program was designed to be more flexible and forgiving than conventional loans. While a higher credit score will always result in better rates, a less-than-perfect credit history does not automatically disqualify you. We encourage you to speak with one of our VA loan specialists who can review your specific situation and provide guidance on your options.

What are the biggest advantages of a VA loan?

Beyond the benefit of no down payment, VA loans offer several other key advantages for veterans:

• No Private Mortgage Insurance (PMI): Unlike conventional loans where you would pay PMI if you put down less than 20%, VA loans do not have this requirement, which can save you hundreds of dollars per month.

• Competitive Interest Rates: VA loans typically have some of the lowest interest rates on the market.

• Limited Closing Costs: The VA limits the closing costs lenders can charge, helping to keep your out-of-pocket expenses low.

We are dedicated to helping you leverage these hard-earned benefits to purchase the home of your dreams. Contact us today to learn more and start your journey to homeownership.

Pro Mortgage Funding LLC, NMLS ID 2119829. 43422 W Oaks Dr. Suite 421 Novi, MI 48377. For licensing information, go to: www.nmlsconsumeraccess.org. This company is not endorsed by the federal housing association. This is for informational purposes. Subject to Credit Approval.

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