VA Loans
Home financing built for those who served.
A VA loan is one of the most valuable benefits available to veterans, active-duty service members, and eligible surviving spouses. Here’s what makes it different, plus our guides to help you use it well.
VA Loans at a Glance
No down payment required
Eligible borrowers can finance up to 100% of the purchase price, subject to their VA entitlement and lender guidelines.
No monthly mortgage insurance
VA loans don’t carry PMI. Most borrowers pay a one-time VA funding fee instead, which can usually be financed into the loan.
Funding fee exemptions
Veterans receiving VA compensation for a service-connected disability, and certain other borrowers, are exempt from the funding fee.
Who may qualify
Veterans, active-duty service members, many National Guard and Reserve members, and some surviving spouses who meet service requirements.
Certificate of Eligibility
Your COE confirms your VA entitlement. In many cases, your loan officer can request it for you online in minutes.
VA refinancing
The VA streamline refinance (IRRRL) can lower your rate, and the VA cash-out refinance lets you access your home’s equity.
Eligibility, entitlement, and loan terms vary by borrower. VA loans are subject to VA and lender requirements and credit approval. Barrett Financial Group is not affiliated with or endorsed by the U.S. Department of Veterans Affairs.
VA Loan Guides
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Can You Get a VA Loan With Credit Problems?
The VA doesn’t set a minimum credit score. Learn how lenders review credit history, limited credit, and report errors for a VA loan.
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Why Two VA Lenders Can Give You Different Answers
Two VA lenders can reach different answers on the same application. Here’s why lender overlays matter and how to compare offers.
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Keeping Your Current Home and Buying Again With a VA Loan
Moving doesn’t always mean selling. Learn how remaining entitlement, occupancy rules, and rental offsets can let you keep your home and buy again with a VA loan.
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Can You Use a VA Loan More Than Once?
Your VA home loan benefit isn’t one-time. Learn how entitlement restoration works and when you can have two VA loans at once.
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VA Loan Entitlement Explained: Understanding Your Buying Options
What the $36,000 on your COE really means, how full and remaining entitlement work, and how to estimate your zero-down buying power.
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VA Loan Denied? Questions to Ask Before Giving Up
Denied for a VA loan? Ask these questions to learn whether the issue is a VA rule or a lender policy, and what to do next.
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Denied for a VA Loan? Why a Second Opinion Matters
One lender’s VA loan denial isn’t always the final word. Learn how lender overlays work and when a second opinion makes sense.
Questions about your VA benefit? Talk with Nick.
Nick Mastropietro · NMLS #1003393
Whether you’re buying your first home with your VA benefit, using it again, or thinking about a VA refinance, Nick can walk you through your options and what makes sense for your situation.
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