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VA Home Loans

Our loan officers specialize in VA loans, helping eligible service members, veterans, and surviving spouses buy or refinance a home with little to no money down.

Why Choose a VA Loan

VA loans are guaranteed by the U.S. Department of Veterans Affairs and offer some of the strongest benefits of any loan program available today.

No Down Payment

Most eligible borrowers can finance up to 100% of the home's purchase price with no down payment required.

No Monthly PMI

VA loans don't require private mortgage insurance, which can mean significant monthly savings compared to other low-down-payment programs.

Competitive Rates

VA loans often carry lower average interest rates than conventional financing, thanks to the VA guaranty.

Funding Fee Flexibility

A one-time VA funding fee applies in most cases — it can be paid at closing or rolled into your loan amount. Some borrowers, including those with service-connected disabilities, may be exempt.

Flexible Credit Guidelines

The VA does not set a minimum credit score. Loan officers look at your full credit picture rather than a single number.

Limited Closing Costs

The VA limits certain fees a lender can charge, and sellers can contribute toward closing costs.

VA Loan Eligibility

You may be eligible for a VA loan if you fall into one of the following groups. Exact requirements depend on your service history, so your loan officer will help confirm your eligibility through your Certificate of Eligibility (COE).

  • Active-Duty Service Members — generally eligible after 90 continuous days of active service.
  • Veterans — typically eligible with a minimum period of active-duty service that varies by service era, often around 90 days during wartime or 181 days during peacetime.
  • National Guard & Reserve Members — generally eligible after 6 years of service, or sooner if activated for full-time duty.
  • Surviving Spouses — spouses of service members who died in the line of duty or from a service-connected disability may qualify.
  • Certificate of Eligibility (COE) — a COE confirms your eligibility to lenders. Your loan officer can typically pull this for you directly.
  • Entitlement — your VA loan amount is tied to your available entitlement. Entitlement used on a prior VA loan may be restored once that loan is paid off or under certain other conditions.

VA Loan FAQ

Common questions about VA home loans.

In most cases, no. Eligible borrowers can finance up to 100% of the purchase price, subject to the lender's loan limits and your available entitlement.
The funding fee is a one-time fee that helps offset the cost of the VA loan program for taxpayers, in place of ongoing mortgage insurance. The amount depends on your down payment, loan type, and whether you've used your VA benefit before. It can be paid at closing or rolled into your loan. Some borrowers, such as those receiving VA disability compensation, may be exempt.
The VA itself does not set a minimum credit score. Individual lenders may apply their own guidelines, but VA loans are generally more flexible on credit than many conventional programs.
Yes. VA loan benefits can be used multiple times over your lifetime, and entitlement can often be restored once a prior VA loan is paid off, or in some cases while you still own the home.
A COE is the document that verifies to a lender that you meet the service requirements for a VA loan. Most loan officers can request your COE for you electronically as part of the application process.
VA purchase loans generally require the home to be your primary residence. Certain refinance transactions have different occupancy rules — ask your loan officer about your specific situation.

Nations Capital Services, Inc. is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs or any other government agency. VA loan eligibility, entitlement, and funding fee amounts are determined by the Department of Veterans Affairs and vary by individual circumstances; the information above is general in nature. Talk to a loan officer to confirm your specific eligibility.

Ready to put your VA benefit to work?

Talk to an NCS loan officer about your VA loan eligibility and options.

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