See how much cash you keep with a VA purchase loan vs FHA and conventional.
100% financing
VA loans offer 100% financing. On a $400K home, that keeps $14,000-$80,000 in your pocket vs FHA/conventional options.
Save $150-400+/mo
Unlike FHA (MIP for life) and conventional (PMI until 20% equity), VA loans never charge mortgage insurance. Saves $1,800-$4,800+ per year.
From 5.750%
VA rates are 0.25-0.50% lower than conventional. Currently 5.750% vs 6.125%. Lower rate + no PMI = hundreds saved monthly.
Full entitlement
With full VA entitlement, there is no maximum loan amount. $200K starter or $1.5M property — VA covers it with $0 down.
From pre-approval to closing, here is exactly how your VA purchase works.
Apply online or call. We verify VA eligibility, pull your COE, check credit, and issue a pre-approval letter.
House-hunt with confidence. VA loans work on SFR, condos (VA-approved), multi-units (up to 4), and manufactured homes.
Once your offer is accepted, we lock your rate and order the VA appraisal to protect your interests.
Our team handles all lender communication. You receive a Clear to Close once fully approved.
Sign closing docs, the loan funds, the home is yours. Your $0 down VA purchase is complete. Welcome home.
Houses, townhomes, detached homes
VA-approved complexes
Live in one, rent the rest
On permanent foundation
While VA loans have no down payment, there are closing costs. Here is how to minimize or eliminate them.
Many sellers agree to pay your closing costs as part of the negotiation.
Accept a slightly higher rate for credits that cover your costs entirely.
Roll the VA funding fee into your loan instead of paying upfront.
Most veterans, active duty service members, and surviving spouses qualify.
90+ continuous days of active service during wartime, or 181+ days during peacetime.
Served the minimum active duty period and received anything other than dishonorable discharge.
6+ years of service in the Selected Reserve or National Guard, or 90+ days of active duty.
"$0 down, no PMI, lowest rate I found. Valley West closed my VA loan in 24 days."
"Third VA purchase with Valley West. They shop 50+ lenders every time. Always the best deal."
"Saved $66K over conventional. Zero fees, zero hassle. Valley West knows VA loans."
Get your personalized VA rate in 60 seconds. No SSN. No credit impact.
Get Your Free Quote →