Putting Heroes At Ease
Backed by the VA
Buy with zero down
Active military, veterans or surviving spouses can qualify for zero down payment loans with a certificate of eligibility and an active remaining entitlement that help guarantee VA loans
VA Home Loans for Veterans and Service Members
0 Down for Veterans and Active Military
Request your certificate of eligibility to qualify
For your 1st home, or your 4th
Active military move, VA loans do too!
Competitive VA rates
Get affordable access to homeownership
VA Loan Guidelines
Easily qualify for a VA loan with flexible terms and valuable benefits.
Credit Score
The VA sets no minimum credit score. Most lenders look for 580 to 620.
Primary Residence
VA loans are for primary residences only where active military, veterans or surviving spouses reside
Debt-to-income Ratio
VA loans allow a DTI ratio up to 50% in most cases but may go higher on a case by case basis.
Certificate of Eligibility
A VA-issued COE is required to qualify, proving your military service & eligibility for VA loan.
Seller Credits
Sellers can contribute up to 4% of the home’s price toward closing costs.
Down Payment
0% down payment required, making homeownership more accessible for veterans.
No Mortgage Insurance
No private mortgage insurance (PMI), saving borrowers $150–$300 per month.
Loan Limits
No VA loan limit with full entitlement. With partial entitlement, the county limit applies ($832,750 in most counties in 2026).
Zero Mortgage Insurance
No PMI, No Problem
Save money monthly with no private mortgage insurance required.
Save More, Stress Less
Stress-Free Refinancing
Lower your interest rate hassle-free with an IRRRL (Interest Rate Reduction Refinance Loan). Enjoy quick approvals, minimal paperwork, and no appraisal required—making refinancing easier than ever!
How It Works?
Apply in 15 mins
Use Altgage's pre-qualification tool using today's rates. No SSN required. We'll get you started in no time, literally!
Get Approved Fast
Submit a 7 part application in 15 mins, upload a few documents, and get ready to shop with confidence.
See Great Rates
See your payment upfront to avoid surprises. Work with a realtor you trust or ask us for a referral to find your dream home.
Close on Time
Upload your contract and we'll take you from initial disclosures to closing day in as little as 15 days.
Do’s & Don’ts
Do
Have a DD214 or COE Ready
Get your Certificate of Eligibility (COE) early. We can request it for you.
Budget for Closing Costs
While VA loans require 0% down, you’ll still need to cover about 3% in closing costs.
Know your Entitlement
Your entitlement sets how much you can borrow with 0% down. Get pre-approved and we'll check it for you.
Don't
Use an Ineligible Co-Signer
Only veterans, active-duty service members, or spouses can co-sign a VA loan.
Forget Your Credit Score
Being behind on debt or having too much can impact your FICO score and VA loan approval.
Assume all VA Lenders are the same
VA rates vary by lender. Compare offers to get the deal you deserve.
VA Loans
If you qualify for a VA Loan, it's typically your best option!
VA
Conventional
FHA
Down Payment
0%
3%
3.5%
Credit Score
No VA minimum
620+
580+
Mortgage Insurance
0
0.15–1.5%
0.55%
Max Loan Amount
No set maximum
$832,750
$541,287
Need Help?
Everything you need, in one place!
Every home has a story
Anthony locked in an impressive 5.75% interest rate in 2024
This is the 5th house I’ve purchased in my life and I have to say out of all the transactions, Sukesh was by far the best experience. I was out of state for the whole process but he made it fee like he was right around the corner the whole time. I was never left wondering what was going on and he kept me in the loop at every step. Sukesh made sure we didn’t leave anything on the table and I even ended up with a 5.75 interest rate which is wild these days!!! It never felt like I was talking to a lender rep and always felt like I was talking to a friend. He was always available whether it was the weekend or if I forgot the time difference and it was outside of work hours. This is the guy you need on your side to haggle with the bank to get the best deal. Don’t believe me? Just call him and say hi and I guarantee you’ll be pleasantly surprised. He is a true professional!!!
5-Star Review
Nathan not only got the best mortgage rate but also a lovely home for his family
Vaibhav was extremely helpful!! Altgage treats every veteran like family and will work with you to get the best rate possible . Every call was answered and I couldn’t have chosen a better company to do business with 5 stars isn’t enough to describe the help and support I received during my home buying process!
5-Star Review
Everything is bigger and better in Texas
I had an incredible experience working with Altgage during my home buying process, especially as I was using a VA loan. From start to finish, their team was extremely helpful, patient, and knowledgeable. They guided me through every step, making the process feel smooth and stress-free. The communication was top-notch—whenever I had a question or needed clarification, they were quick to respond and explain things in a way I could easily understand. They truly made me feel like a priority, and I couldn’t be happier with how they helped me secure my home. I highly recommend Altgage to anyone looking for reliable and supportive mortgage services, especially for veterans! Sukesh was the best
5-Star Review
“Casey financed her retirement home, helped her son and several friends buy their dream home with market low rates”
After a lifetime in real-estate, Casey built her dream home in Horseshoe Bay. As with every construction, homes takes longer and cost more than expected. Altgage was able to boost Casey's credit by over a 100 points and provide financing just when it was needed to the most to bring her dream home to life.
After being impressed with Altgage's rates, credit boost, and 15 day closings, Casey introduced several family, friends and clients to get great deals on home ownership.
5-Star Review
Recent Articles
Learn everything you need to know as a first-time homebuyer
Frequently asked questions
You’ve got questions, we’ve got answers
Expect the usual closing costs: lender fees, appraisal, title, and prepaid taxes and insurance. Most borrowers also pay the VA funding fee of 1.25% to 3.3% of the loan amount, which can be rolled into the loan. Sellers can pay your closing costs, plus up to 4% in extra concessions.
The VA funding fee is a one-time charge that helps keep the VA loan program running for future veterans and service members. For first-time homebuyers with 0% down, the funding fee is 2.15% of the loan amount, while repeat buyers may pay a slightly higher percentage. The good news? You don’t have to pay it out of pocket! You can choose to pay it upfront at closing or roll it into your loan amount to spread the cost over time. Some veterans, with service-related disabilities can qualify for an exemption.
No, VA loans are designed for primary residences only. However, you can buy a multi-unit property (up to four units) as long as you live in one of the units. This can be a great way to generate rental income while taking advantage of VA loan benefits!
Yes! VA loans are reusable, meaning you can use your benefit multiple times as long as you have remaining entitlement. Plus, you may even qualify for another VA loan after paying off a previous one.
