The VA loan is a benefit you’ve earned. Backed by the U.S. Department of Veterans Affairs and available to eligible veterans, active-duty service members, Guard and Reserve members, and some surviving spouses, it offers what few other programs can: no down payment and no monthly mortgage insurance, with competitive rates and flexible credit guidelines.
How it works: Instead of mortgage insurance, VA charges a one-time funding fee that can be financed into the loan; many disabled veterans are exempt from the fee entirely — I’ll verify your status. You’ll need a Certificate of Eligibility (COE), which I can typically obtain electronically in minutes. VA loans can be used to buy, build, or refinance, and your benefit can often be reused after it’s restored.
Good fit if: you have VA eligibility, whether it’s your first home near Fort Knox, a PCS relocation, or the home you’re settling into after service. See also my Military & VA Loans page, and the VA IRRRL page if you already have a VA loan and want a lower rate with minimal paperwork.
True Home Lending is operated by Navaneet Dutt, Mortgage Loan Originator, NMLS #2262708, with Loan Factory, NMLS #320841. All loans are subject to credit and property approval. Program availability, rates, terms, and conditions are subject to change without notice and may vary by state, lender, and borrower profile. Not all applicants will qualify. This content is for education only and is not a quote, a loan approval, or a commitment to lend. Equal Housing Opportunity.