Zero down VA home loans for veterans.
You have served our country and made real sacrifices. Now you can hold the keys with zero down. VA home loans are built for military life, offering no down payment, no monthly mortgage insurance, and flexible credit guidelines to make buying, relocating after a PCS, or starting fresh after deployment possible sooner than you expect.
Guidance veterans rely on
Thousands of families just like yours have found clarity and confidence with the guidance of a leading mortgage lender dedicated to their success.
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Benefits of using your VA home loan
Zero down for eligible buyers.
With a VA home loan, you can buy without draining savings, keeping cash for moving, home projects, and making the space your own.
No monthly mortgage insurance.
A VA Home Loan lets you skip the extra line on the bill. With no PMI, more of every payment goes toward the place you live instead of a fee you never see.
Competitive, fixed interest rates.
Lock in a payment you can plan around, even when life’s schedule is unpredictable.
Military‑friendly guidelines.
Gaps from relocations or deployments? VA lending understands your service record counts for more than a single number.
Reusable benefit.
Use it now, use it later. Your VA entitlement stays with you and can be restored after a sale.
Assumable loan potential.
If you ever move, a qualified buyer may be able to assume your loan. That can make your home stand out in any market.
Our Rates For You
VA 30 Year Purchase
VA 15 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
Why a VA home loan stands out.
Other mortgages have their place, but if you qualify, a VA Home Loan is often the clearest path forward:
No saving for years to reach 3.5 percent or 20 percent down.
No PMI draining your budget every month.
Guidelines that respect PCS moves, deployments, and military pay structures.
This is the only home loan program built around your service, and it can be the fastest way to get the keys in your hand.
Your clear path to VA home loan success
Share your goals
What do you want out of this refinance, lower payments? Cash in hand? A faster payoff? Start by telling us what matters most to you.
Confirm your eligibility
We handle the paperwork and verify your VA loan eligibility so you can move forward faster without delays.
Shop with confidence
With a VA home loan in place, you can focus on the right home while a prepared VA backed offer helps you stand out.
Smooth, guided process
From first document to final signature, you get a clear roadmap with updates through appraisal, underwriting, and approval so there are no surprises.
Move in and build
Sign, get the keys, and step into a home that’s yours from day one. Every payment builds equity, stability, and the future you’ve earned through your service.
$800M+
18 Years
27500+
Real people. Real challenges. Real mortgage success.
What if a few answers clarified your VA home loan options?
Still unsure? Talk to someone who hears you, not a script.
A VA home loan is a government backed mortgage program from the Department of Veterans Affairs. It allows veterans, active duty service members, and eligible families to buy a home with no down payment, no PMI, and flexible credit requirements. This makes homeownership more accessible while honoring your service with real financial benefits.
A VA home loan is available to veterans, active duty service members, certain members of the National Guard and Reserves, and surviving spouses. Lenders confirm eligibility using a Certificate of Eligibility (COE) issued by the Department of Veterans Affairs. If you meet these requirements, you can use this benefit more than once in your lifetime.
Yes. A VA home loan is one of the only mortgages that allows qualified buyers to purchase a home with zero down. Instead of saving for years, your cash can stay available for moving costs, home updates, or family needs while you still start building equity.
No. A VA home loan does not require private mortgage insurance, unlike FHA or Conventional mortgages. This means more of every monthly payment goes directly toward your home. Over the life of the loan, skipping PMI can save military families thousands of dollars.
Many buyers close on a VA home loan in as little as 14 to 30 days when documents and appraisals are ready. Having your paperwork prepared in advance gives sellers confidence, and that can give you a stronger edge in competitive markets.
Yes. A VA home loan can be refinanced through the VA Interest Rate Reduction Refinance Loan (IRRRL), also called the VA streamline refinance. This option helps you lower your rate, reduce monthly payments, or switch to a shorter term with less paperwork than a traditional refinance.
A VA home loan is usually the stronger choice if you qualify. Unlike FHA or Conventional mortgages, it requires no down payment, no PMI, and has rules that reflect military pay structures, PCS moves, and deployments. FHA and Conventional loans can work for some buyers, but VA benefits often provide the clearest path to homeownership.
Yes. A VA home loan benefit is reusable if you still have entitlement available. Veterans and military families often use a VA mortgage multiple times, whether moving after a PCS, refinancing, or selling and buying again. It is a lifetime benefit tied to your service.
A mortgage shapes your long-term financial plan by influencing monthly payments, savings, and investment opportunities. Choosing the right mortgage can build home equity, improve stability, and create room for future goals. With guidance, your mortgage becomes a key tool in growing wealth responsibly over time.
Oxford stands apart by making the mortgage process clear, personal, and transparent. Instead of confusing terms or hidden fees, you receive honest guidance tailored to your goals. Every mortgage is supported with tools, resources, and real people who put your success first, creating a smoother path to homeownership.
Still have a question?
No problem. Let’s just talk.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
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Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply.
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Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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