Your service earned real homebuying benefits.
Zero down payment, no monthly mortgage insurance, and typically lower rates. The VA loan is one of the most valuable benefits of military service. Ky will help you use every bit of it.
No SSN required. Zero impact to credit. Your information is never sold.
Exclusive benefits for those who served
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses.
VA loans require no down payment and no monthly mortgage insurance, and often carry lower rates than conventional loans. These benefits have helped millions of service members become homeowners since 1944.
- ✓ Zero down payment, with 100% financing available
- ✓ No monthly mortgage insurance, regardless of down payment
- ✓ Rates typically 0.25-0.50% below conventional loans
- ✓ Lenient credit requirements with no VA-mandated minimum score
The VA loans process
Four steps, explained in plain English at every one.
Get your COE
Obtain your Certificate of Eligibility through eBenefits, or Ky can help pull it for you.
Pre-qualify and shop
Get pre-qualified and house hunt knowing your financing is ready.
Apply and appraise
Make your offer, submit the application, and complete the VA appraisal.
Close
Close with zero down and no monthly mortgage insurance, typically within 30-45 days.
No credit pull. No obligation.
VA eligibility, in plain English
Service requirements vary by era: typically 90 days of active duty for wartime service, longer periods for peacetime, 6 years for National Guard and Reserves (or 90 days deployed), and eligibility for certain surviving spouses. You'll need a Certificate of Eligibility, typically a 620+ credit score, sufficient income, and to occupy the home as your primary residence within 60 days, subject to credit approval.
Not sure whether your service qualifies? Ky will review it with you and lay out exactly which VA options are available.
VA Loan Qualifier
Check your eligibility in one minute. No SSN, no credit pull, no pressure.
Takes about a minute.
Why the VA loan is such a strong benefit
No down payment
Buy with zero down and keep your savings for what's next.
No monthly PMI
Unlike FHA and low-down conventional loans, VA loans never charge monthly mortgage insurance.
Lower rates
VA backing typically means rates 0.25-0.50% below conventional.
Lenient credit
No VA-mandated minimum score, with flexible underwriting for veterans.
Limited closing costs
The VA caps what lenders can charge, and sellers can pay all closing costs.
Reusable benefit
Pay off a VA loan and sell, and your entitlement restores for the next home.
Common questions about VA loans
Have one that's not here? Just reach out.
Can I use a VA loan more than once?
Yes, the benefit is reusable. Once you pay off a VA loan and sell, your entitlement is restored. With sufficient remaining entitlement, you may even hold multiple VA loans at once.
Can I buy a multi-unit property with a VA loan?
Yes, up to 4 units, as long as you occupy one as your primary residence. It's a genuinely smart way to build wealth during or after service.
What is the VA funding fee?
A one-time charge that keeps the program running. It's 2.15% of the loan amount for first use with zero down, and it can be financed into the loan. Veterans with service-connected disabilities are exempt.
Do VA loans take longer to close?
Not necessarily. With an experienced lender, VA loans close in 30-45 days, the same as other loan types.
Can I refinance a conventional loan into a VA loan?
Yes. A VA cash-out refinance can replace any existing mortgage with a VA loan, often at a better rate with no monthly mortgage insurance, if you're eligible.
What if the home doesn't meet VA requirements?
The seller completes required repairs before closing, you negotiate a repair escrow, or you move on to a property that passes VA appraisal standards.
You earned this benefit. Let's use it right.
Get a no-cost VA quote and clear answers about your eligibility. No pressure, no jargon.
Quick • No credit pull • Just real numbers
VA loans available to eligible veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses. Certificate of Eligibility required. VA funding fee applies with exemptions for service-connected disabilities. Property must meet VA Minimum Property Requirements and be used as primary residence. All loans subject to credit approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply. This is not a commitment to lend. Licensed in Minnesota. Not affiliated with the U.S. Department of Veterans Affairs.