VA Loans
A hard-earned benefit for veterans, active-duty service members, and eligible spouses - often $0 down, no monthly mortgage insurance, and competitive rates. The #ChampionsofLoans Team are VA loan pros.
Why the VA loan is one of the best in the market
- $0 down for eligible borrowers - finance up to 100% of the purchase price.
- No monthly mortgage insurance (PMI), unlike FHA and low-down conventional.
- Competitive interest rates and flexible credit guidelines.
- Reusable benefit - your entitlement can be restored and used again.
- VA jumbo options for higher-priced Sacramento-area homes.
Who is eligible?
Eligibility generally includes veterans, active-duty service members, National Guard and Reserve members who meet service requirements, and many surviving spouses. You'll need a Certificate of Eligibility (COE) - we help you obtain it.
The VA funding fee
Most VA loans include a one-time funding fee that can be financed into the loan. Veterans receiving service-connected disability compensation are typically exempt. We'll confirm your fee or exemption up front.
VA loan questions
Do VA loans really require no down payment?
For eligible borrowers with full entitlement, yes - you can finance 100% of the purchase price up to county limits, with no monthly mortgage insurance.
How do I get my Certificate of Eligibility?
We help you request your COE directly through the VA portal, usually in minutes.
Can I use a VA loan more than once?
Yes. Your entitlement can be restored after payoff, and in some cases you can have more than one VA loan at a time.