My Perfect Mortgage
VA Purchase Loan

Get your exclusive financing benefits

Buy a home using the benefits you’ve earned. VA loans make home financing affordable with flexible qualification requirements, 0% down payments, low rates, and no private mortgage insurance payments.

Start here to get qualified

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How it works

We help you understand whether a VA loan is the right option for you.
1
Share a few details with us to learn if an VA loan is right for you.
2
We’ll connect you with the perfect lender to see if you qualify.
3
Close your loan, buy your home, and maintain an affordable mortgage.

How a VA loan makes homebuying affordable

As a veteran-owned company, My Perfect Mortgage wants to ensure that you understand and can make the most of your VA loan benefit.

This unique loan is designed to help you have the best opportunity to own a home. It offers lower minimum credit score requirements, 0% down payment options, no monthly private mortgage insurance payments, lower rates, and various term options, among other benefits.

Because VA loans are backed by the government through the U.S. Department of Veterans Affairs (VA), they make homeownership accessible for service members, veterans, and eligible surviving spouses.

These features make VA loans a popular option among first-time homebuyers, and they can be used more than once. 

Connect with the perfect lender to explore your options and see what you qualify for.

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The key features of VA loans

Exclusive benefits

Those eligible can qualify for some of the best rates in the mortgage market

Flexible requirements

Lenient requirements make home ownership possible with lower credit scores

Affordable payments

Flexible terms provide monthly payments you can afford sustainably

Maximize your VA benefits with simple, affordable home financing

With these exclusive benefits, you can afford to purchase a home you truly want. Apply to see if you qualify for 0% down payment and get a lower-than-average interest rate, while also avoiding paying monthly private mortgage insurance. VA loans can be fixed or adjustable-rate to meet both your short and long-term financial needs. There are jumbo VA loans available, depending on the lender. You can even use your benefits more than once. And down the road you can get a VA streamline refinance loan to lower your rate and payment with reduced funding fees and minimal documentation.

  • Great for first-time homebuyers
  • Low credit scores accepted
  • Possible 0% down payment
  • Competitively low interest rates
  • 30, 20, and 15-year fixed-rate loans
  • 5-year adjustable rate mortgage loans
  • No monthly private mortgage insurance payments

VA purchase loan FAQs

How do I know if I’m eligible for a VA loan?

Eligibility for VA loans is service-based and proven through a Certificate of Eligibility (CoE) from the U.S. Department of Veterans Affairs. The VA evaluates eligibility based on your service status, your years of service, and your service record. You may meet eligibility requirements if you are a current active-duty military service member, a military veteran, or the spouse of a service member, including a surviving spouse. Detailed guidelines are available on the VA’s website. A CoE isn’t required to apply for a VA loan but it will be needed for approval. A lender can help you apply for your CoE or you can apply for it directly.

How much do you need to put down for a VA Loan?
What are the advantages of a VA Loan?
What is the difference between a VA loan and a conventional or FHA loan?
Can I use VA benefits to buy a house more than once?

Get a VA loan from one of our premium lenders

  • Competitive rates
  • Flexible loan options
  • Low credit scores accepted
  • No monthly mortgage insurance
Get Started
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See if you qualify for a VA loan

When you’re ready to purchase a home, make the most of your VA benefits to get an affordable mortgage. Tell us about your situation and you’ll be on your way to securing the perfect mortgage.