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VA Loans

$0 down and no monthly mortgage insurance for eligible veterans, active-duty service members, and their families.

$0

Down for eligible borrowers

No PMI

Ever

IRRRL

Streamline refinance option

COE

Confirms eligibility

Overview

What it is

VA loans are guaranteed by the U.S. Department of Veterans Affairs. The VA guarantees a portion of the loan, allowing approved lenders to offer $0 down financing with competitive rates and no private mortgage insurance.

Eligible borrowers will need a valid Certificate of Eligibility (COE) based on their service.

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Typical requirements

  • A valid Certificate of Eligibility (COE) based on service
  • Sufficient income to cover the mortgage and expenses
  • A satisfactory credit profile (lenders set their own standards)

Potential benefits

  • $0 down payment for eligible borrowers
  • No private mortgage insurance
  • Competitive interest rates
  • No prepayment penalty
FAQ

Common questions

Do I need a down payment?
Most eligible borrowers can finance 100% of the purchase price with $0 down.
How do I get my Certificate of Eligibility?
We help you request your COE as part of the application — it confirms your VA loan entitlement based on your service.
WCCI.Online Mortgage Intelligence

Not sure which loan program fits?

Start with a WCCI AI Mortgage Review to organize your income, property, credit, and loan goals before speaking with a licensed mortgage professional.

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WCCI.Online provides preliminary educational mortgage guidance only and is not a loan approval, rate quote, rate lock, or commitment to lend.

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Start with a short mortgage intake and we will help you understand your options.

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