Loan Program
VA Loans
Earned by service. Zero down, no PMI, exceptional terms.
Overview
VA loans are a benefit earned by military service — offering zero down, no monthly mortgage insurance, and some of the most competitive terms available anywhere in the market.
Who it's for
- Active-duty service members
- Veterans
- National Guard and Reserve
- Certain surviving spouses
Benefits
- 0% down financing
- No monthly PMI
- Competitive fixed rates
- Reusable benefit
Common Questions
What is entitlement?
Your VA entitlement is the amount the VA guarantees on your loan — we pull your Certificate of Eligibility to confirm your available benefit.
Do I have to pay a funding fee?
Yes, but it can be financed into the loan. Certain disabled veterans are exempt.
Can I buy a multi-unit property?
Yes, up to 4 units, as long as you occupy one of them.
Financing Provided Through
Clear Rate MortgageLicensed Mortgage Lender · NMLS #2470446
Mike Keys · NMLS #2795829 · Company NMLS #2470446
A boutique client experience, backed by a national lending platform.
- · Company licensed in 17 states
- · Broad portfolio of loan solutions
- · Experienced lending & operations team
- · Professional service from application through closing