VA Home Loans
The benefit you earned — put to work
Backed by the U.S. Department of Veterans Affairs, VA loans give eligible service members, veterans, and surviving spouses a path to homeownership with no down payment and no monthly mortgage insurance.
$0 Down Payment
Eligible borrowers with full entitlement can finance 100% of the purchase price — no down payment required, on most loan amounts.
No PMI, Ever
Conventional loans under 20% down charge private mortgage insurance every month. VA loans never do — saving you real money for the life of the loan.
Competitive Rates
Because the VA guarantees a portion of every loan, lenders can offer some of the lowest rates available — often below comparable conventional financing.
Multi-Unit Eligible
Buy a 2–4 unit property, live in one unit, and rent the others. Your tenants' rent can help cover the mortgage on your own home.
Flexible Credit
The VA sets no minimum credit score, and qualifying leans on residual income — the money left after your bills — not just a rigid ratio.
Reusable Benefit
Your VA loan entitlement isn't one-and-done. Once a prior VA loan is paid off, you can restore and reuse it for your next home.
A Home Loan Built to Honor Your Service
No down payment, no mortgage insurance, and rates backed by a federal guarantee. The VA loan rewards those who served with terms no conventional program can match — you simply have to occupy the home as your primary residence.
Program Details
Who Qualifies for a VA Loan?
Eligibility is based on your service history. You'll need a Certificate of Eligibility (COE), which we can help you request.
VA loans are guaranteed by the U.S. Department of Veterans Affairs and are available only for owner-occupied primary residences. Cap Rate Funding is a private lender and is not affiliated with, or endorsed by, the VA or any government agency. Eligibility, rates, funding fees, and terms are subject to VA guidelines, lender requirements, and underwriting approval, and are subject to change. This page is informational and is not a commitment to lend. Funding-fee figures reflect the VA schedule effective April 7, 2023.
VA Loan Payment Calculator
Estimate your monthly payment, VA funding fee, and total loan — with $0 down and no PMI.
VA allows $0 down for eligible borrowers.
Rate only — funding fee is separate.
Most borrowers roll the fee into the loan.
Estimates only. Property tax is assumed at 1.1% of home price per year and insurance at $1,400/year — adjust for your area. VA loans require no private mortgage insurance, unlike conventional loans with less than 20% down. Funding-fee percentages follow the VA schedule effective April 7, 2023 and can change. Your Certificate of Eligibility, credit, and lender determine final terms. This is not a loan offer.
Check Your EligibilityWhere We Lend
States We Lend In
Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.
Meet The Leader
Fast. Flexible. Funded.
With direct access to a network of over 100 lenders, I deliver fast, flexible, and creative financing solutions tailored to meet complex real estate needs. As a mortgage broker specializing in Bridge Loans, DSCR (Debt Service Coverage Ratio) loans, and Hard Money financing, I work with investors, developers, and business owners to secure funding when timing and structure are critical.
Whether you’re flipping a property, building a portfolio, or need short-term capital fast, I bring the market expertise, lender relationships, and deal-making agility to get it done — even when banks say no.
Fast closings. Minimal red tape. Maximum results.
