VA Loans
Answers to the questions I hear most from buyers, homeowners, and investors.
Program Highlights
✓ 0% down payment
✓ No monthly mortgage insurance
✓ Lowest average rates of any program
✓ No loan limit (full entitlement)
✓ Funding fee waived with 10%+ disability
✓ Reusable benefit — use it again and again
✓ No monthly mortgage insurance
✓ Lowest average rates of any program
✓ No loan limit (full entitlement)
✓ Funding fee waived with 10%+ disability
✓ Reusable benefit — use it again and again
Who's Eligible
✓ Active duty (90+ days served)
✓ Veterans (discharged under conditions other than dishonorable)
✓ National Guard / Reserves (6+ years or 90 days active)
✓ Surviving spouses (unremarried)
✓ We can pull your COE — just ask
✓ Veterans (discharged under conditions other than dishonorable)
✓ National Guard / Reserves (6+ years or 90 days active)
✓ Surviving spouses (unremarried)
✓ We can pull your COE — just ask
How VA Loans Work
VA loans are guaranteed by the Department of Veterans Affairs, eliminating the need for a down payment or mortgage insurance. There's a one-time funding fee (2.15% first use, 3.3% subsequent) that can be financed into the loan — and it's completely waived for veterans with a 10%+ service-connected disability. VA uses residual income rather than strict DTI ratios, making it more flexible for families. The rates are typically the lowest available because the government guarantee reduces lender risk. As a broker who works with VA-approved lenders nationwide and can often close faster than the big banks.
Get a VA Loan Quote
Brainy Vu · NMLS 2658103 · (949) 771-1575
Still Have Questions?
I'm always happy to chat — no pressure, no obligation.