VA loan options for veterans, active-duty service members, Guard/Reserve, and eligible surviving spouses in Washington State. No PMI, and $0 down for those who qualify.
A short message from Jed - see the matching script in the video-scripts guide.
A VA loan is a benefit you earned through service. Here's what it can do for you.
Many eligible veterans and service members can purchase with no down payment, freeing up cash for moving, repairs, or reserves.
Unlike most conventional and FHA loans, VA loans don't require monthly private mortgage insurance - that can mean a lower monthly payment.
VA guidelines are often more flexible on credit history and debt-to-income than conventional loans, recognizing the realities of military life.
In most cases your VA entitlement can be used more than once over your lifetime - including after a previous VA loan is paid off or sold.
Already have a VA loan? You may qualify to refinance into a lower payment with reduced documentation through the IRRRL program.
You'll work directly with Jed from your first conversation through closing - clear communication, real answers, no pressure.
Eligibility is based on service history - not income level. You may qualify if you are:
Not sure if you qualify or don't have your Certificate of Eligibility (COE) handy? We'll help you pull it - no cost, no obligation.
Four steps from "let's talk" to keys in hand.
Call, text, or submit the form below.
We confirm your eligibility and get you pre-approved.
House-hunt knowing exactly what you qualify for.
We keep you updated at every step through closing day.
Many eligible borrowers can finance up to 100% of the purchase price with no down payment required. Your specific terms depend on entitlement, loan amount, credit, and lender approval - we'll walk through your exact numbers.
The VA itself doesn't set a strict minimum score, but lenders - including ours - do have underwriting guidelines. VA loans are often more flexible than conventional financing. We can tell you where you stand with a quick conversation.
Most VA loans include a one-time funding fee that can typically be financed into the loan. The exact amount depends on factors like down payment, loan type, and whether it's your first use of the benefit - some veterans with service-connected disabilities are exempt. We'll confirm your specific fee before you commit to anything.
In most cases, yes. Entitlement can often be restored after a prior VA loan is paid off, and some borrowers can have more than one VA loan at a time depending on remaining entitlement. We'll check your COE to confirm.
The VA Interest Rate Reduction Refinance Loan (IRRRL), sometimes called a VA Streamline Refinance, is designed to help existing VA borrowers refinance with less paperwork. Ask us if you may qualify.
Tell us a little about your service and we'll follow up with your options.