VA HOME LOAN EXPERTS
We help veterans achieve their
dream of homeownership.
Our team of VA experts will help you make the most of your VA loan benefits.
Benefits of VA loans
Competitive Rates
0% down payment programs available
No mortgage insurance required
Flexible and easy qualification rules
Simple, stress-free pest inspections
You deserve some exclusive benefits
As your local independent mortgage broker, we offer service members and their families benefits to help you buy or refinance a home, including:
A credit inquiry that doesn’t affect your credit score
Minimum 580+ credit score
Typically no down payment required*
Split entitlement accepted
Access to potentially lower interest rates
No mortgage insurance required
Did you know that VA borrowers save $13,432* on average when they work with an independent mortgage broker like me compared to retail? My mission is to save you money and help you get the most out of your VA benefits.
FAQ
What is a VA loan?
A VA loan is a government-backed mortgage created exclusively for veterans and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs (VA), these loans offer powerful benefits such as competitive interest rates, no required down payment, and flexible credit underwriting standards.
What is the VA loan limit?
Since 2020, VA loans with full entitlement ($36,000) no longer have loan limits. Instead, the amount you can borrow is based on your overall qualifications. For instance, highly qualified borrowers may be able to purchase homes up to $3MM with no down payment required!
What is a Certificate of Eligibility?
A Certificate of Eligibility (COE) is a document issued to qualified active-duty service members and veterans. You can request it directly from the VA, or your lender can order it on your behalf through the VA’s website. This certificate provides the key details needed to confirm your eligibility for a VA loan, including the dollar amount of your “entitlement.”
I can't find my Certificate of Eligibility. Can I still purchase with a VA Loan?
Yes! If you don’t already have your Certificate of Eligibility, it can be requested online through the VA’s website or by mail. Veterans will need to provide a copy of their DD214 (or other discharge papers), while active-duty service members must have a statement of service signed by their commanding officer. If you’d like assistance with the process, our team is here to guide you step by step!
What is "entitlement"?
Entitlement is the amount of your loan that the VA guarantees, shown as a dollar figure at the bottom of your Certificate of Eligibility (COE). “Full entitlement” is listed as $36,000 and allows you to buy a home at any price point you qualify for—without loan limits. That doesn’t mean you’re capped at $36,000!
If you’ve never used your VA loan benefit, your COE should display $36,000. If your entitlement shows $0 because you currently own a home with a VA loan, it will be “restored” to $36,000 once you sell, pay off, or refinance that loan—again giving you access to unlimited purchase power with your VA benefit.
If your COE reflects a partial dollar amount, your new VA loan will be capped, which may require a down payment or a lower purchase price. Since calculating entitlement can be complex, our mortgage experts can walk you through exactly what’s needed.
Can I buy a condo with a VA loan?
Yes! You can use a VA loan to purchase a condominium, as long as the condo is pre-approved by the VA. You can check whether a property is approved by searching the VA’s official condo database here.
How do I know if a VA loan is the best option for me?
While a VA loan is often the best choice for many veterans, there is no one-size-fits-all solution for VA mortgage financing. The best way to know if a VA loan is right for you is to connect with one of our mortgage experts. Our team will walk you through monthly payment scenarios, review current interest rates, and answer any other questions or concerns you may have!
We help veterans like you achieve their dream of homeownership.
Our team of VA experts at Jeremy Boillot will guide you in making the most of your VA loan benefits.
*Full entitlement required. **Since 2020, county loan limits no longer apply to VA loans if you have full entitlement. Instead, your credit profile will determine the maximum loan you can qualify for. Entitlement means the VA guarantees your lender the lesser of up to $36,000 or 25% of your loan amount in case of default. Your Certificate of Eligibility (COE), issued by the Department of Veterans Affairs, confirms your eligibility for a VA home loan and shows the amount of entitlement available to you.