The VA loan is one of the most powerful mortgage benefits in existence — zero down, no PMI, competitive rates, and loans up to $2M. Too many veterans either don't know they have it or don't use it to its full potential. We'll make sure you do.
VA Loan Benefits
No other mortgage program combines all of these benefits in one package. Here's what your service has earned you.
Purchase
Buy a home with zero down and no private mortgage insurance. VA purchase loans are available for primary residences with competitive rates that often beat conventional for qualified veterans.
Cash-Out Refinance
Pull cash out of your home up to 100% of its value — something no conventional or FHA program allows. Use it to pay off debt, fund home improvements, or cover major expenses.
Streamline Refinance
Already have a VA loan? The VA IRRRL (streamline refinance) lets you lower your rate with minimal documentation and no appraisal required in most cases. Fast, simple, and designed specifically for veterans.
Who Qualifies
VA benefits extend beyond active duty veterans. Here's who is eligible to use a VA home loan.
Active Duty Service Members
Currently serving in the Army, Navy, Air Force, Marine Corps, Coast Guard, or Space Force with at least 90 continuous days of active service.
Veterans
Veterans who have been honorably discharged after meeting minimum service requirements — typically 90 days during wartime or 181 days during peacetime.
National Guard & Reserve Members
Guard and Reserve members with at least 6 years of service, or 90 days of active duty service under Title 10 orders, including during a national emergency.
Surviving Spouses
Un-remarried surviving spouses of veterans who died in the line of duty or from a service-connected disability may be eligible for VA home loan benefits.
The Process
The VA loan process has a few unique steps compared to conventional — here's what to expect from start to close.
We can request your Certificate of Eligibility (COE) directly from the VA on your behalf — you don't need to do it yourself. It confirms your entitlement and benefit amount.
Once we have your COE and credit, we issue a pre-approval letter within one business day. Your pre-approval shows sellers you're a serious, qualified buyer.
The property must meet VA Minimum Property Requirements (MPRs). We'll flag any issues early so they don't surprise you at appraisal.
A VA-assigned appraiser reviews the property for value and condition. This is separate from a home inspection — we recommend both for your protection.
No down payment, no PMI. You'll pay the VA funding fee (which can be financed in) and standard closing costs. Disabled veterans may be exempt from the funding fee entirely.
We can request your Certificate of Eligibility (COE) directly from the VA on your behalf — you don't need to do it yourself. It confirms your entitlement and benefit amount.
Once we have your COE and credit, we issue a pre-approval letter within one business day. Your pre-approval shows sellers you're a serious, qualified buyer.
The property must meet VA Minimum Property Requirements (MPRs). We'll flag any issues early so they don't surprise you at appraisal.
A VA-assigned appraiser reviews the property for value and condition. This is separate from a home inspection — we recommend both for your protection.
No down payment, no PMI. You'll pay the VA funding fee (which can be financed in) and standard closing costs. Disabled veterans may be exempt from the funding fee entirely.
The FlexPoint Difference
Nearly 30 years and over $5 billion funded. Here's what our experience means for your VA loan.
Takes less than 60 seconds. No credit pull. We'll confirm your eligibility and show you exactly what your VA benefit can do.
By submitting this form, you consent to be contacted by FlexPoint Inc. regarding your inquiry. This is not a commitment to lend. All loans subject to credit approval. Restrictions apply. Some products may not be available in all states. FlexPoint Inc. NMLS #243082.
FAQ
The questions veterans ask us most before getting started.