VA and military buyers
VA home loans in Charlotte, from a fellow veteran
I served in the U.S. Army, including a deployment to Iraq. I'll help you use the benefit you earned.
Military and veterans
I've worn the uniform. I'll walk you through the VA loan.
If you're active duty, a veteran or a military family, you have a home-buying benefit worth understanding. I'll explain how it works and connect you with lenders who work with VA loans every day.
Eligibility and terms are set by the VA and your lender. Talk with a VA-approved lender about your situation.
- Often $0 downEligible borrowers can buy without a down payment, depending on lender and entitlement.
- No monthly mortgage insuranceVA loans skip PMI. A one-time funding fee usually applies unless you're exempt.
- A VA appraisal protects youThe home has to meet VA minimum property requirements before the loan closes.
Veterans questions
Do VA loans require a down payment?
Often no. Eligible borrowers with full entitlement can buy with $0 down, and VA loans don't carry monthly mortgage insurance. A one-time VA funding fee usually applies unless you're exempt, for example with certain service-connected disability ratings. Your lender sets the rest.
What is the VA appraisal?
A VA-assigned appraiser sets the value and checks that the home meets VA minimum property requirements. If something needs repair, it has to be fixed or negotiated before closing. It protects you from buying a home with serious problems.
Can a seller pay my closing costs with a VA loan?
Sellers can contribute within limits the VA sets, and some fees can't be charged to the buyer. Your lender will map out what's allowed so we write the offer correctly.
How do I get my Certificate of Eligibility?
Your lender can usually pull it for you in minutes. You can also request it through VA.gov.
Thinking about using your VA loan?
Active duty, veteran or surviving spouse, let's talk about your timeline and connect you with a lender who knows VA loans.
