VA loans
You earned the strongest loan in the market. Use all of it.
$0 down, no monthly mortgage insurance, and no loan limit with full entitlement. We make sure a bank's house rules never shrink a benefit you already paid for.
Program snapshot
VA at a glance
- Down payment
- $0 with full entitlement
- Monthly mortgage insurance
- none
- Loan limit
- none with full entitlement
- Funding fee
- one-time, waivable
- Benefit
- reusable
Program guidelines for eligible borrowers, not an offer or approval. Your terms depend on entitlement and the full application.
What the benefit actually gets you.
No other major program combines these three. That is why it wins so often when it is used right.
$0
down payment
Keep your savings
With full entitlement, buy with nothing down and let the seller cover closing costs on top. Your cash stays in reserve where it belongs.
- No down payment with full entitlement
- Seller concessions allowed
- No prepayment penalty, ever
$0/month
mortgage insurance
The payment stays clean
No monthly mortgage insurance at any down payment. On the same house, that routinely makes VA the lowest payment on the board.
- No monthly MI at 0% down
- One-time funding fee, usually financed
- Funding fee waived with a service-connected disability rating
no limit
with full entitlement
Room to buy the real house
With full entitlement there is no VA loan limit. Qualify for the payment and the program follows you, even well past conforming price ranges.
- No VA loan cap with full entitlement
- Reusable for your next home
- Assumable by a qualified future buyer
The brokerage difference
The benefit is federal. The service is not. Choose yours carefully.
No watered-down VA
Many banks quietly add credit score floors and extra rules on top of VA's actual guidelines. That is how veterans get told no on a loan they earned. We route your file to VA-specialist lenders that underwrite to the real rulebook.
We handle the VA paperwork
Certificate of Eligibility, entitlement math, funding fee exemption checks. We pull the COE for you and verify a disability waiver on every eligible file, because missing one costs real money.
Lenders compete for your file
VA pricing varies between lenders just like every other program. One application puts your scenario in front of our wholesale network instead of a single bank's shelf rate.
VA appraisals, managed
The VA appraisal process has its own clock and its own rules. An experienced team sets the timeline honestly, works the process, and keeps your contract date intact.
Your benefit, put to work.
- 1
Tell us your scenario
Two minutes online. No credit pull, no documents yet. We pull your Certificate of Eligibility for you.
- 2
We build your best file
Entitlement verified, funding fee exemption checked, and your scenario shopped across VA-specialist lenders.
- 3
Close with your savings intact
$0 down where you qualify, seller concessions where we can win them, and a team that keeps the VA process on schedule.
The quick eligibility check.
- Veterans, active duty, Guard and Reserve
- Some surviving spouses qualify
- $0 down with full entitlement
- No monthly mortgage insurance
- Primary residences, 1 to 4 units
- Benefit is reusable
Not sure where your entitlement stands? We pull your Certificate of Eligibility and do the math for you, free.
Straight answers
Am I eligible?
Veterans, active duty service members, many National Guard and Reserve members, and some surviving spouses. Eligibility runs on service history and is documented by your Certificate of Eligibility, which we pull for you. If you are not sure, ask. It costs nothing to check.
Is $0 down really true?
Yes, with full entitlement there is no down payment requirement. Closing costs and prepaids still exist, but the seller can cover a meaningful share of those, and we negotiate for that on every VA offer.
What is the funding fee?
A one-time VA charge that most borrowers finance into the loan, in place of monthly mortgage insurance. Veterans receiving disability compensation for a service-connected condition are exempt, as are certain surviving spouses and Purple Heart recipients on active duty. We check for the exemption on every file.
Can I use my VA benefit more than once?
Yes. The benefit is reusable, and with remaining entitlement it is even possible to hold two VA loans at once, like keeping your current home during a PCS move. The entitlement math gets detailed, and that is our job, not yours.
Why did a bank turn me down when VA guidelines say I qualify?
Overlays. Banks add their own tougher requirements on top of what VA actually asks for, credit score floors being the most common. A no from one lender is not a no from the program. We match your file to lenders that underwrite to the actual VA guidelines.
Two minutes. No obligation. Real numbers.
Find out what your VA benefit is worth when nobody waters it down.
Guthix Lending • NMLS# 2672037 · We are not affiliated with or acting on behalf of the Department of Veterans Affairs or any government agency. VA loans are available to eligible service members, veterans, and surviving spouses. A one-time funding fee may apply unless exempt. $0 down and no loan limit require full entitlement; borrowers with reduced entitlement may have different terms. Program terms are subject to change and to credit and property approval. Not all borrowers will qualify. This is not a commitment to lend or an offer of specific terms.