VA loans let eligible service members buy with $0 down, no PMI, and a $0 origination fee from House of Mortgage — and we front your appraisal, reimbursed only if your loan closes.
VA funding fee and third-party costs may apply; eligibility required.
Backed by the U.S. Department of Veterans Affairs, VA loans are built to make homeownership more affordable for those who served.
Finance up to 100% of the home's value with no down payment required for most eligible buyers.
No private mortgage insurance, even with $0 down — which keeps your monthly payment lower.
Government backing typically means lower rates than comparable conventional financing.
The VA caps what you can be charged, and sellers can contribute toward your closing costs.
Make extra payments or pay the loan off early with no penalty.
Your entitlement can be restored and reused for future homes, subject to VA eligibility requirements.
House of Mortgage waives its lender origination fee on all VA loans.
We pay the appraisal cost upfront; you reimburse it only if your loan closes. Nothing out of pocket to get started.
Advisors who know the Certificate of Eligibility, funding fees, and entitlement cold — and guide you through all of it.
VA home loan eligibility is based on your service. Most of the following may be eligible — your HOM advisor will help you confirm and request your Certificate of Eligibility (COE) at no cost, usually in minutes.
Those who meet the VA's minimum active-duty service requirements and were discharged under other than dishonorable conditions.
Currently serving in any branch of the Armed Forces.
Many members qualify based on length of service.
Spouses of service members who died in the line of duty or from a service-connected condition, subject to VA rules.
Answer a few quick questions. Soft credit check only — no hard pull to start.
We help you request your Certificate of Eligibility, typically in minutes and at no cost.
A VA-knowledgeable advisor prices your loan and prepares your pre-approval so you can shop with confidence.
Sign digitally and get the keys — $0 down, $0 origination, and a team that knows VA loans cold.
“I didn't realize how much my VA benefit could do until my advisor walked me through it. $0 down, no origination fee, and they even covered my appraisal upfront. Keys in 19 days.”
The experiences of individual clients may not be representative of the experiences of all clients.
Check your eligibility in minutes. Soft credit check only, and no Social Security Number required to see your options.
VA loan benefits ($0 down payment and no monthly mortgage insurance) are available to eligible Veterans, active-duty service members, National Guard and Reserve members, and surviving spouses who meet VA and lender requirements. A VA funding fee applies to most loans unless exempt, and third-party costs apply. Not a commitment to lend.
House of Mortgage waives its lender origination fee on VA loans; other lender fees, third-party fees (appraisal, title, recording), prepaid items, and the VA funding fee will be itemized on your Loan Estimate. Appraisal cost is fronted by House of Mortgage and reimbursed at closing only if your loan closes.
House of Mortgage is an approved VA lender and is not affiliated with, endorsed by, sponsored by, or acting on behalf of the U.S. Department of Veterans Affairs or any other government agency.
Rates, APRs, and terms vary by credit profile, loan-to-value, property type, and program guidelines and are not guaranteed. Not a commitment to lend.
