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VA Home Loans in Phoenix: $0 Down & Competitive Rates for Veterans

Unlock homeownership with a VA loan backed by the Department of Veterans Affairs. No private mortgage insurance, flexible credit, and lower monthly payments—so you can focus on what matters most: your home and family.

 
 
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Why VA Loans?

Made for Veterans & Active Duty Buyers

  • $0 Down Payment for most eligible buyers
  • No PMI, which can save hundreds every month
  • Competitive, government‑backed rates
  • Flexible credit + assumable loans (can help resale value)
  • Lower closing costs options with partner lenders
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Who Qualifies?

VA Loan Eligibility Basics (COE Required)
You may be eligible if you meet one of the service requirements below and obtain a Certificate of Eligibility (COE):

  • Active duty with 90+ continuous days (wartime) or 181+ days (peacetime)
  • National Guard/Reserve with 6+ years, or called to active duty
  • Surviving spouse (conditions apply)

Estimate your payment (principal & interest + taxes + insurance + MIP) with our Mortgage Calculator and compare scenarios.

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How the Process Works

  1. Pre‑Qualification – We’ll gather basics and connect you to a VA‑approved lender.

  2. COE & Pre‑Approval – Your lender confirms eligibility and purchasing power.

  3. Home Search – Target neighborhoods that match your budget, BAH, and commute.

  4. Offer & Appraisal – VA appraisal ensures fair value and minimum property standards.

  5. Closing Day – Review final numbers, sign, and get the keys.

Want a quick, realistic payment?

Use our Mortgage Calculator to see principal & interest, taxes, insurance, and HOA—no guesswork. Then we’ll tailor numbers for your COE and lender’s rate sheet.

Your pre-approval checklist

1 COE
2 DD214 (if applicable) or LES for active duty
3 Photo ID
4 Recent pay stubs & W‑2s/1099s
5 2 months’ bank statements
6 Homeowners insurance quote

Frequently Asked Questions

Do VA loans really have no down payment?

For most eligible buyers with full entitlement, yes—$0 down is typical. Your lender will confirm based on your COE and price point.

Is there a VA funding fee?

Most VA loans include a funding fee set by the VA (exemptions apply for certain disability ratings). Your lender will quote the current fee and options to reduce it with a down payment.

 

Are condos/townhomes eligible?

Many are. Our lending partners can confirm VA‑approved status or coordinate approval with your lender and HOA.

 

How much can a seller pay toward my costs?

Up to 6% of the purchase price for allowable closing costs/prepaids/points—not the down payment.

 

What about credit scores?

VA guidelines are flexible. Individual lenders set minimums, and we’ll match you with one that fits your profile.

Can I use a VA loan again?

Often yes—remaining or restored entitlement can make repeat use possible. We’ll coordinate with your lender to verify.

Ready to Take the Next Step?

Lock in your rate today and move confidently toward owning your home. Our streamlined process keeps every step fast, secure, and as stress‑free as possible.

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