You served. You earned it.

Now come home with zero down.

Most of the veterans we talk to spent years saving for a down payment they never needed. The benefit you earned means no down payment and no monthly mortgage insurance. Six quick questions and a licensed loan originator will take a look at where you stand.

Check my eligibility How the benefit works

Takes about 60 seconds. No credit pull, no documents, no obligation. This is not an application for credit.

Down payment

Eligible borrowers can finance up to 100% of the purchase price on a qualifying primary residence, subject to entitlement, credit approval, and property appraisal.¹

Monthly mortgage insurance

VA loans carry no monthly private mortgage insurance. A one-time VA funding fee applies in most cases and may be financed into the loan.²

A benefit you can reuse

VA entitlement is not a one-time-only benefit. Many veterans use it more than once across a lifetime, and some qualify to hold two VA loans at the same time.

Closing day in Killeen, Texas

First house, zero down

Twelve years in, finally home

Most veterans we talk to saved for years for a down payment they already earned.

Not because they did anything wrong. Because nobody ever sat down and walked them through it.

The VA home loan benefit is one of the strongest lending programs in the country and it is also one of the least explained. No down payment. No monthly mortgage insurance. A benefit you can use more than once. And nobody hands you a pamphlet on the way out.

That is the entire reason this page exists. Answer six questions, and a licensed loan originator who works with veterans every week will tell you straight whether this is the right move for you right now. Sometimes the answer is not yet. You will hear that too.

The VA Home Loan Program team Texas Financial Partners Group, LLC

Before you begin. VAHomeLoanProgram.com is a lead generation platform operated by Texas Financial Partners Group, LLC. We are not a licensed lender, not a mortgage broker, and not a loan originator. We do not take loan applications, do not offer or negotiate loan terms, do not make credit decisions, and do not charge you anything. The form below is an informational interest form, not an application for credit.

What you submit is shared with one licensed mortgage professional from our partner network, who may contact you about VA financing. Your information is never sold and is never distributed to multiple lenders. This site is not a government agency and is not affiliated with the U.S. Department of Veterans Affairs. Full disclosures, marketing partners, and privacy policy.

Let's start with your service.

Step 1 of 6

Choose the one that fits you best.

Tell us where to reach you. Every field here is optional.

What state are you looking in?

First name

Last name

Mobile phone

Email address

Please double-check the phone number or email you entered.

We are not licensed in that state, so we cannot assist you there.

Please check the consent box so we are permitted to contact you.

No credit pull. Not an application.

Eligibility shown on this site is preliminary and informational only. Only the U.S. Department of Veterans Affairs can confirm entitlement, and only a lender can approve a loan.

Straight answers about the benefit

No pitch. If a VA loan is not the right tool for your situation right now, the loan originator will say so. That is a better outcome than a rushed application.

You can also get information about VA home loan benefits at no cost directly from the U.S. Department of Veterans Affairs at va.gov.

Does zero down really mean zero out of pocket?

No. Zero down means no down payment is required on a qualifying purchase. You may still owe closing costs, prepaid items such as taxes and insurance, and the VA funding fee. Some of those costs can be financed, covered by a seller credit, or covered by a lender credit, depending on the transaction.

What is the VA funding fee?

It is a one-time fee paid to the VA that helps keep the program running. The amount depends on your down payment, your service category, and whether you have used the benefit before. Veterans receiving VA compensation for a service-connected disability, and certain surviving spouses, are exempt. The fee can usually be financed into the loan.

Is there a minimum credit score?

The VA does not set one. Individual lenders set their own overlays, and those vary widely. If your credit is not where you want it, say so on the call. There are real options, and rebuilding first is sometimes the smarter move.

Is this the VA?

No. This site is an advertisement operated by a private company. It is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs or any government agency. VA loans are made by private lenders, and the VA guarantees a portion of them.

What happens after I submit the form?

Your answers go to a licensed mortgage loan originator who will contact you to review your eligibility and next steps. You are never obligated to proceed, and you can ask to be removed from contact at any time.

Six questions stand between you and an answer.

Find out where you stand before you start touring homes, before you keep saving for something you may not need. It costs nothing and it does not touch your credit.

Check my eligibility