VA Loan

Homeownership Made Possible for Veterans & Service Members.

With no down payment and no PMI, VA loans are one of the best benefits of military service.

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What is an VA Loan?

Backed by the U.S. Department of Veterans Affairs, VA loans help eligible veterans, service members, and surviving spouses purchase or refinance a home with flexible, affordable terms. A VA loan in 2025 is a mortgage option backed by the U.S. Department of Veterans Affairs, designed to help veterans, active-duty service members, and eligible surviving spouses purchase or refinance a home. Here’s a breakdown of the key features and requirements:

VA Loan Educational Videos and Tools
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Key VA Loan Benefits

No Down Payment

$0 Down Payment required for qualified veterans, active duty and surviving spouses.

No PMI

No minimum down payment to avoid Private Mortgage Insurance, saving hundreds monthly.

Flexible Qualifications

Easier qualification for eligible service members, retirees, and survivor spouses

Competitive Interest Rates

VA loan rates are typically better than conventional or other loans.

No VA loan limit

No official limit on the amount you can borrow with no down payment, as long as the lender approves the loan.

Limited Closing Costs

Reduce your out-of-pocket expenses with caps on certain closing fees.

VA Loan Requirements

VA loans typically require no down payment, no private mortgage insurance (PMI), and offer competitive interest rates. However, borrowers must meet both military service eligibility rules and lender financial requirements.

See What You Qualify For

Must be an eligible veteran, active-duty service member, National Guard, Reserve member, or qualifying surviving spouse and obtain a valid Certificate of Eligibility (COE) issued by the VA..
Property must be your primary residence
Must meet VA’s Minimum Property Requirements (MPRs) for safety, sanitation, and structural integrity.
Credit history reviewed by lender (VA does not set a minimum score, but lenders typically require ~620).
Debt-to-income (DTI) ratio generally below 41% (flexible if residual income is strong).
Stable income and sufficient residual income after expenses.

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Why Work With Verushka’s Casa?

At Verushka’s Casa, we’re honored to serve veterans and active-duty service members. Our team specializes in VA loans, ensuring you maximize benefits like $0 down and no PMI. With personalized guidance, fast approvals, and deep respect for your service, we simplify the process so you and your family can enjoy the home you’ve earned with confidence.

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VA Loan Process at Verushka’s Casa

Applying for your VA loan should feel rewarding—not difficult. We’ll begin with a personalized eligibility check and walk you through your entitlements and loan benefits. Once pre-approved, we manage everything—documentation, VA-specific requirements, underwriting, and closing—with precision and care. Our team is dedicated to guiding veterans and service members through each step, ensuring your VA loan experience is both seamless and respectful of your service.

Get Pre-Approved

Personalized Assessment: Discuss your financial situation and loan needs.
Fast Pre-Approval: We'll help you get pre-approved quickly to make offers with confidence.
Smooth Closing: Transparent guidance through underwriting, appraisal, and closing.
Ongoing Support: After closing, we’re here to answer questions and guide you toward your next steps—whether remodeling or refinancing with FHA 203(k) options.

VA Loan FAQs

Who is eligible for a VA loan?

Active-duty service members, veterans, and eligible surviving spouses may qualify.

Do VA loans require a down payment?

No, VA loans typically require no down payment at all.

Do VA loans have PMI?

No, VA loans never require private mortgage insurance, saving you money monthly.