VA home loans are a government-backed mortgage benefit earned through military service. VA financing can help qualified borrowers purchase or refinance a primary residence with favorable terms and reduced upfront costs.
$0 down options • No monthly PMI • Competitive rates
A VA loan is a mortgage program backed by the U.S. Department of Veterans Affairs (VA). While the VA does not lend money directly, it guarantees a portion of the loan issued by approved lenders—helping eligible borrowers access more flexible financing terms.
Finance a primary residence with up to 100% financing for eligible borrowers.
Replace your current mortgage and access home equity for debt consolidation, renovations, or major expenses (subject to VA and lender guidelines).
A VA streamline refinance designed to reduce rate and/or payment on an existing VA loan, often with reduced documentation.
A VA program for eligible Native American Veterans financing on federal trust land.
Assistance for eligible Veterans with service-connected disabilities to help build, modify, or purchase an adapted home.
Eligibility is confirmed through your Certificate of Eligibility (COE). You may qualify if you are:
Eligibility depends on service category and length of service. COE confirms entitlement and eligibility status.
Eligibility is confirmed by your Certificate of Eligibility (COE).
Some surviving spouses may qualify (including certain DIC-eligible spouses). Documentation requirements vary based on VA status.
including COE support and (when applicable) VA forms related to surviving spouse eligibility.
We verify your COE and entitlement to determine available VA benefit and program options.
We review income, credit, assets, and goals to determine the strongest structure (purchase, IRRRL, cash-out) and estimate affordability.
You provide the required mortgage documentation. We issue disclosures and prepare the file for processing and underwriting.
The VA appraisal confirms value and basic property standards. Underwriting reviews the full loan file to issue approval conditions.
After conditions are satisfied, the loan is cleared to close, documents are signed, and the loan funds per closing schedule.
Instead of monthly mortgage insurance, VA loans typically include a one-time funding fee. In many cases, this fee can be financed into the loan amount.
Funding fee exemptions may apply for Veterans receiving VA disability compensation and certain other qualifying categories.
VA financing is based on entitlement rather than a fixed loan cap. Your COE helps determine entitlement and how it applies to your scenario.
At Loans by Kelly, we guide you through the VA mortgage process with clarity—confirming COE/entitlement, selecting the right VA program, and navigating underwriting with confidence.
3 Simple Steps to Get Pre-Approved with Confidence
We begin with a quick conversation to understand your goals, review your financial situation, and identify the best loan options for you.
We match you with the right loan option, whether you’re a first-time homebuyer, investor, self-employed borrower, or using alternative documentation.
Submit your application and receive a fast, no-obligation pre-approval, so you can move forward with confidence.
