VA loans are backed by the U.S. Department of Veterans Affairs — offering $0 down payment financing and no monthly mortgage insurance for those who have served.
Share a few details and our team can walk you through your VA financing options.
Prefer to talk now? 954-590-8464A VA loan is guaranteed by the U.S. Department of Veterans Affairs and issued by approved lenders like us. Because the VA backs the loan, lenders can offer $0 down financing and no monthly mortgage insurance to those who have served.
It's a benefit earned through military service — not a standard mortgage program. It is designed to make homeownership more attainable for veterans, active-duty service members, and eligible surviving spouses.
VA loans recognize your service with financing built to lower the cost of buying a home.
Buy with $0 down when you have full entitlement — no down payment required.
Unlike FHA and conventional loans, VA loans never carry a monthly mortgage insurance premium.
The VA guaranty helps lenders offer rates that are often lower than conventional loans.
Buy a home or refinance an existing VA loan with the same earned benefit.
An IRRRL can lower your rate or payment with reduced documentation.
Our team has guided service members through the VA process for years.
These are typical VA guidelines. Your exact scenario is reviewed one-on-one by a specialist.
The VA sets no minimum credit score, though many VA lenders look for around 620.
$0 down for eligible borrowers with full entitlement. Partial entitlement may require a down payment.
VA guidelines are more flexible than conventional — often up to 41%, with compensating factors beyond.
Verifiable income and stable employment history — requirements vary by service status.
The home must be your primary residence — VA loans are not for investment properties.
Wartime or peacetime service, National Guard, Reserves, or an eligible surviving spouse may qualify.
Complete one application and tell us about your goals and timeline.
We review your file, confirm VA eligibility, and lock your rate.
We handle the details with your agent and title team — keys in hand.
The VA itself does not set a minimum credit score. Most VA lenders look for around 620, though some work with lower scores depending on the full picture. We review your scenario one-on-one.
Eligible borrowers with full entitlement can buy with $0 down. If you have partial entitlement or are buying above the county loan limit, a down payment may be required.
Yes. An IRRRL (Interest Rate Reduction Refinance Loan) lets existing VA borrowers lower their rate or payment with reduced documentation and often no new appraisal.
Submitting the contact form does not trigger a credit inquiry. If a credit pull is needed, we explain the process and get your permission first.
Talk to an Eagles Funding Group specialist about your VA options — we'll guide you from application to keys.
