VA Home Loans
Starlene and Ashlyn understand the VA loan product. They work alongside trusted VA lender partners who specialize in helping veterans navigate the process — from your Certificate of Eligibility to closing day.
What the VA Loan Offers
Zero Down Payment
Most VA loans are made with no down payment
No PMI
No private mortgage insurance, unlike many FHA or conventional loans
Competitive Rates
Government backing may allow below-average interest rates
Limited Closing Costs
VA guidelines limit certain fees buyers can be charged at closing
Flexible Credit
Scores as low as 620 may qualify; manual underwriting available
Reusable Benefit
The VA home loan benefit can be used again and again, as long as entitlement is available or restored
2026 Loan Limits
Standard Counties
$832,750
Up 3.3% from 2025
High-Cost Counties
$1,249,125
Parts of California
Full Entitlement
No Limit
Blue Water Navy Act (2020)
Figures are for reference. Confirm current limits and your situation at va.gov or with a VA lender.
VA Funding Fee (2026)
| Type | Fee |
|---|---|
| First-time purchase, zero down | 2.15% |
| Subsequent use, zero down | 3.30% |
| 10%+ disability rating | EXEMPT |
The funding fee can typically be rolled into the loan amount or paid at closing. A VA lender can confirm what applies to you.
Ready to take the next step?
Check your eligibility directly with the VA, then let Starlene and Ashlyn connect you with a trusted VA lender partner to get prequalified — and represent you when you're ready to buy.