VA Loan

Zero-down financing for those who served.

VA loans offer eligible veterans, active-duty service members, and surviving spouses 0% down financing with no monthly mortgage insurance and some of the most competitive rates available.

Check Your VA Eligibility

Key Features

  • Zero down payment required
  • No monthly mortgage insurance (PMI or MIP)
  • Competitive interest rates
  • VA funding fee applies (can be rolled into the loan)
  • Funding fee waived for disabled veterans
  • No prepayment penalties
  • Streamline refinance (IRRRL) available

Who It Is For

VA loans are available to veterans, active-duty service members, National Guard and Reserve members, and surviving spouses who meet service requirements. The VA loan benefit is a lifetime benefit that can be used multiple times.

If you are eligible for a VA loan, it is almost always the best option. No down payment and no PMI means lower monthly payments and less cash needed upfront.

Explore Related

Conventional Comparison VA IRRRL Refinance Buying a Home

Have you earned the VA loan benefit?

Austin can help you verify your eligibility and start the process.

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