VA Home Loans:

Zero Down, Exclusive

Benefits for Veterans

VA loans offer zero down payment, no PMI, and low interest rates—exclusively for veterans, active-duty military, and eligible spouses.

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A Mortgage Built to Honor Our Heroes.

A VA loan is a government-backed mortgage designed specifically for veterans, active-duty service members, and eligible spouses. This program, managed by the U.S. Department of Veterans Affairs (VA), helps qualified buyers purchase a home with no down payment, no private mortgage insurance (PMI), and competitive interest rates.

Key Benefits of VA Loans:

Zero Down Payment – No need to save for a large down payment.

No Private Mortgage Insurance (PMI) – Unlike conventional or FHA loans, VA loans don’t require PMI.

Competitive Interest Rates – VA loans typically offer lower rates than conventional mortgages.

Flexible Credit Requirements – No strict minimum credit score (most lenders require 580+).

Limited Closing Costs – The VA limits the fees lenders can charge, saving you money.

Who Qualifies for a VA Loan?

To be eligible for a VA home loan, you must meet one of the following service requirements:

Active-Duty Military – At least 90 consecutive days of service.

Veterans – Must have served 181 days during peacetime or 90 days during wartime.

National Guard & Reserves – 6 years of service or 90 days of active-duty service.

Surviving Spouses – Must be unmarried and the spouse of a service member who died in the line of duty.

Other Requirements:

Certificate of Eligibility (COE) – Official VA documentation proving eligibility.

Credit & Income – Most lenders require a 580+ credit score and a stable income.

Check Your VA Loan Eligibility

How VA Loans Compare to Other Mortgage Options.

Below are the loan programs we offer, each designed to fit different homebuyer needs. Click each option to learn more about eligibility, benefits, and application steps.

Why Choose a VA Loan?

If you qualify, a VA loan is almost always the best choice because of zero down, no PMI, and lower rates.

Veterans with service-connected disabilities may qualify for a waived VA funding fee, saving even more money.

See How Much You Can Save with a VA Loan

Find the Right VA Loan for Your Needs

VA Purchase Loan

Buy a home with no down payment and no PMI

VA Cash-Out Refinance

Refinance your existing home loan and access your home’s equity

VA Interest Rate Reduction Refinance Loan (IRRRL)

A streamlined refinance option for current VA loan holders to lower interest rates

Native American Direct Loan (NADL)

A VA-backed loan for Native American veterans buying on Federal Trust Land

Explore VA Loan Options

Answers to Common VA Loan Questions

Can I use a VA loan more than once?

Yes! VA loans are reusable as long as you meet eligibility requirements

Do VA loans require a down payment?

No, VA loans allow 100% financing for qualified buyers

Are there income limits for VA loans?

No, there are no income restrictions for VA loan eligibility

Can I buy an investment property with a VA loan?

No, VA loans can only be used for primary residences

What is the VA funding fee?

The VA funding fee helps keep the program running. It ranges from 2.15% to 3.3% of the loan amount, but some veterans with service-connected disabilities may be exempt.

Still Have Questions? Let’s Talk!

Your Service Deserves the Best Home Loan.

As a veteran or active-duty service member, you’ve earned exclusive home loan benefits that can make homeownership more affordable. Let’s get you pre-approved today!

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Harmony Home Mortgage provides expert home loan solutions, including FHA, VA, Conventional, USDA, and Non-QM loans. Licensed in FL, GA, NC, SC, and MI, we make homeownership simple and stress-free.