Eligible veterans, service members and certain surviving spouses can explore VA-backed financing for a home they plan to occupy.
Start with your eligibility
A Certificate of Eligibility helps document your VA benefit. The lender still reviews your credit, income and the property. Tell Jonathan about any previous use of your VA home loan benefit.
Down payment and mortgage insurance
VA-backed purchase loans may allow no down payment when eligibility, entitlement, value and lender requirements are met. VA loans do not require private mortgage insurance.
Ask about costs before making an offer
A VA funding fee may apply unless you qualify for an exemption. Closing costs and an appraisal value below the price can still affect the money needed for a purchase. Compare the total financing plan.
Program resources
VA purchase loan guidance. Program rules and lender requirements can change; confirm the terms for your situation.
Talk through your next step
Jonathan Gibbons helps buyers and homeowners in Southeast Wisconsin, Greater Milwaukee and Madison compare financing options. Estimate a payment or contact Jonathan to discuss your plans.
Jonathan Gibbons · NMLS #427023 · Information reviewed October 5, 2026. General education, not a rate quote, approval or commitment to lend.