VA Home Loans
Zero down payment. No PMI. Competitive rates. The VA home loan is one of the most powerful benefits available to veterans — and Starlene can help you use it.
Key Benefits
Zero Down Payment
Nearly 90% of VA loans are made with no down payment
No PMI
Save hundreds per month vs. FHA or conventional loans
Competitive Rates
Government backing allows below-average interest rates
Capped Closing Costs
VA limits what lenders can charge at closing
Flexible Credit
Scores as low as 580 may qualify; manual underwriting available
Reusable Benefit
Pay off one VA loan, use the benefit again — lifetime entitlement
2026 Loan Limits
Standard Counties
$832,750
Up 3.3% from 2025
High-Cost Counties
$1,249,125
Parts of California
Full Entitlement
No Limit
Blue Water Navy Act (2020)
VA Funding Fee (2026)
| Type | Fee |
|---|---|
| First-time purchase, zero down | 2.15% |
| Subsequent use, zero down | 3.30% |
| 10%+ disability rating | EXEMPT |
The funding fee can be rolled into the loan amount or paid at closing.
Check Your Eligibility
Answer a few questions — Starlene will follow up with personalized VA loan guidance.
Service History
Tell us about your military service.
You must have been discharged under conditions other than dishonorable.