What Is a VA Loan?
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, qualifying National Guard and Reserve members, and certain surviving spouses. Because the VA guarantees a portion of the loan, lenders can offer terms that are hard to match anywhere else — starting with no down payment.
Zero Down, No PMI
Eligible borrowers can finance up to 100% of the purchase price with no down payment and no private mortgage insurance — a benefit unique to VA loans. Most borrowers pay a one-time VA funding fee, though many veterans with service-connected disabilities are exempt.
Getting Started: Your Certificate of Eligibility
You'll need a Certificate of Eligibility (COE) to confirm your VA benefit. Barry can help you request one and will walk you through the rest of the process — from pre-approval to closing — with the respect and clarity your service has earned.
Who It's For
- Active-duty service members and veterans meeting VA service requirements
- National Guard and Reserve members with qualifying service
- Certain surviving spouses of veterans