Cut through the VA loan myths.
"A lot of veterans don't realize they qualify, or they've been given bad advice by lenders who steer them away from using their benefits. An industry myth is that the VA process is complicated. It really doesn't have to be. We know the program inside and out, and a large part of our business is VA loans."
By the end of this step, you'll know exactly what you can use — and why lenders shouldn't be steering you away from it.
The Process
How VA loans work.
01
We Verify Your Eligibility
Along with your loan application, we will pull a Certificate of Entitlement together and confirm exactly what you qualify for.
02
We Make Your Benefits Make Sense
I'll walk you through zero down, no PMI, how your entitlement works, and what your funding fee may mean for you — in plain English, so you know exactly what you qualify for.
03
Once You're Pre-Approved
By the time you're pre-approved, you'll know your real monthly payment — loan amount, taxes, insurance, and your VA benefit factored in. From there, you can shop with a clear number in mind.
VA Funding Fee
Estimate your VA funding fee before we talk.
* VA funding fee rates are set by federal statute and can change. This is an estimate for planning purposes — confirm your exact fee and exemption status with your loan officer before closing.
Want to see more tools? Explore all calculators →
Who is exempt from the VA funding fee?
Your Certificate of Eligibility (COE) will show whether you're exempt — no guesswork on your end.
What is the funding fee?
It's not a lender fee. It goes back into the VA loan program, which is what keeps this benefit funded for the next veteran who uses it.