VA Loans

Current active duty veterans are eligible for the VA loan with just 90 days of service.  Or if you are discharged you would typically be eligible if you served for two continuous years.

If you’re a reservist you’re eligible after six years, unless if during your service you were activated for 90 days.  We can help you check your eligibility if you send us this form filled out. For detailed eligibility requirements see

If you have full eligibility on your VA loan, you can get financing with 0% down up to $1,750,000 in the DC area.

The VA loan is the best loan that exists because regardless of down payment, because there is no monthly mortgage insurance.  VA loans also have lower rates than do conventional loans.  Unless you are exempt, the VA does charge an upfront funding fee which is financed into your loan in order to guarantee your loan.  The funding fee amount is:

Regular Military:

  • 0% down: 2.3% (or 3.6% if not first time use of the VA loan)
  • 5% down: 1.65%
  • 10% down (or more): 1.4%

The minimum credit score required is 600, but loan terms and underwriting improve with higher credit scores.  If you previously had a VA loan, you can get your eligibility restored.  VA does allow multiple uses of the loan program provided you restore your eligibility.  If your eligibility needs restoration, we could potentially assist with that!

Questions, or ready to proceed?  240-479-7658.  Email me

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