Get a VA Loan with $0 Down and No PMI

Easily compare VA-approved lenders and find the best mortgage for your military benefits—fast, free, and with no credit impact.

Your Best Mortgage Options — Instantly

Get matched with vetted mortgage lenders in minutes
Save time with one simple form — no need to shop dozens of sites
No credit impact. No sales pressure. Just the best fit for your goals

Submit Your Loan Scenario

💬 What Is a VA Loan?

A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, designed to help eligible veterans, active-duty service members, and select military spouses purchase or refinance a home with no down payment and favorable terms.

At MyPerfectMortgage.com, we make it easy to compare VA-approved lenders and find the best financing option for your unique military benefits—fast, free, and with no credit impact.

✅ Why Choose a VA Loan

$0 Down Payment required in most cases
No Private Mortgage Insurance (PMI)
Competitive interest rates and flexible credit standards
Use for primary residence purchases or cash-out refinances
Reuse your VA entitlement for multiple transactions
Easy online prequalification with VA-approved lenders

📊 How VA Loans Work

VA loans are government-backed, which means lenders can offer favorable terms to eligible borrowers. Here’s how they typically work:

No down payment required (up to the conforming loan limit)
No monthly mortgage insurance
VA funding fee may apply (can be rolled into the loan)
Flexible credit and income guidelines
Available for single-family homes, condos, and some multi-units
Use for purchase, IRRRL (streamline refinance), or cash-out refinance

Lenders assess your residual income, credit, and service eligibility — not just your DTI — which can make VA loans more accessible than conventional options.

Your Best Mortgage Options — Instantly

Get matched with vetted mortgage lenders in minutes
Save time with one simple form — no need to shop dozens of sites
No credit impact. No sales pressure. Just the best fit for your goals

Submit Your Loan Scenario

🎖 Who VA Loans Are Perfect For

VA loans are a top choice for:

Veterans of any branch with qualifying service
Active-duty military buying a home near a new station
National Guard or Reserve members with qualifying service
Surviving spouses of eligible veterans (in select cases)
Homebuyers looking for zero down payment and low monthly costs

You must plan to occupy the home as your primary residence. VA loans are not for investment or vacation properties.

Questions We Get About VA Loans

Who qualifies for a VA loan?

Eligible veterans, active-duty service members, National Guard/Reserve members, and some surviving spouses may qualify. A Certificate of Eligibility (COE) is typically required.

Do VA loans really have no down payment?

Yes. Most qualified borrowers can finance 100% of the purchase price—no down payment needed.

What’s the VA funding fee?

It’s a one-time fee (ranging from 0.5%–3.6%) that helps sustain the program. It can often be financed into the loan.

Can I use a VA loan more than once?

Yes. You can reuse your VA benefit multiple times, as long as your entitlement is restored or partially available.

Are there credit score requirements?

Most VA lenders prefer a 620+ credit score, but guidelines vary. VA loans are more flexible than conventional programs.

Your Best Mortgage Options — Instantly

Get matched with vetted mortgage lenders in minutes
Save time with one simple form — no need to shop dozens of sites
No credit impact. No sales pressure. Just the best fit for your goals

Submit Your Loan Scenario