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VA Loans
Zero down. No PMI. You earned it.
VA loans are an exclusive benefit for veterans, active duty military, and surviving spouses — offering the most competitive terms of any home loan program available.
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What It Is
The strongest loan benefit in America.
A VA loan is a mortgage benefit earned through military service — backed by the U.S. Department of Veterans Affairs. It allows eligible veterans, active duty service members, and surviving spouses to purchase a home with zero down payment, no private mortgage insurance, and typically below-market interest rates.
There is no better home loan program available to those who qualify. If you've served, this benefit is yours. Walker Lending Group will make sure you use it to its full advantage.
Who It's For
- Veterans with qualifying active duty service
- Active duty service members (90+ days continuous service)
- National Guard and Reserve members (6+ years of service)
- Surviving spouses of veterans who died in service or from a service-connected disability
How It Works
01
Obtain your Certificate of Eligibility (COE)
Donna can pull this for you directly in most cases. It confirms your VA benefit eligibility.
02
Get pre-approved
VA loans look at credit and income but no down payment is required. We determine your full purchasing power.
03
Find your home
VA loans are for primary residences. The property must meet VA minimum property requirements.
04
Close with zero down
No down payment. No PMI. Lower rate. This is what your service earned.
VA Loan Quick Facts
- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive rates — typically below conventional
- VA funding fee applies (can be financed into the loan)
- Can be used multiple times throughout your life