VA Mortgage Loans
Guaranteed by the U.S. Department of Veterans Affairs, VA loans honor service members with zero down payment, competitive rates, and no monthly mortgage insurance.
Veterans, Active Duty Military, National Guard & Surviving Spouses
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Program at a Glance
- Down Payment
- 0%
- Credit Score
- Set by lender (no FHA-style minimum)
- Occupancy
- Primary residence
- Term
- 15 & 30 yr fixed
- Property Type
- 1–4 unit (owner-occupied)
Key Program Highlights & Advantages
0% Down payment required
NO monthly mortgage insurance (PMI) fees
Competitive interest rates
Flexible credit guidelines & relaxed DTI ratios
VA Streamline IRRRL refinance for fast rate reductions with minimal paperwork
General Qualification Standards
Compare Similar Programs
| Program | Down Payment | Credit Score | Occupancy | Term |
|---|---|---|---|---|
| VA Mortgage Loans | 0% | Set by lender (no FHA-style minimum) | Primary residence | 15 & 30 yr fixed |
| Conventional Mortgage Loans | As low as 3% | 620+ (typical) | Primary, 2nd home, investment | 10–30 yr fixed |
| USDA Rural Development Loans | 100% financing (0% down) | Typically 640+ for AUS | Primary residence | 30 yr fixed |
Figures shown are typical ranges and vary by lender, program, and borrower profile.
Rates, terms, and program availability are subject to change without notice and depend on borrower qualification and underwriting approval. This is not a commitment to lend. Contact Oakley Pike for current program guidelines.
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