Start once
Create your profile and tell us whether you are buying, refinancing, building, or renovating.
All home loans
VA home lending by veterans
The VA loan experiencebuilt for our own.
Work with one veteran mortgage professional who understands entitlement, military income, PCS pressure, and what it takes to build a pre-approval that can reach the closing table.
No monthly PMI • Nationwide support• Human review
Not sure what you can actually afford?Tell us about your pay, family, debts and timeline — we'll show maximum, comfortable and goal-aligned.
Down paymentVA may permit zero down when entitlement and the complete loan scenario support it.
Monthly PMIVA-backed loans do not require monthly private mortgage insurance.
Reusable benefitEligible borrowers may use the benefit more than once, subject to entitlement.
Funding feeThe fee may be financed, and qualifying borrowers may be exempt.
Choose your path
One benefit. More than one move.
Pick the situation closest to yours. The application carries that intent forward so you do not have to explain the same goal twice.
VA purchase loan
Use your earned benefit to buy a primary residence, often without a down payment or monthly private mortgage insurance.
- Primary-residence financing
- Reusable VA entitlement
- Seller concessions permitted within VA rules
- VA appraisal and minimum-property review
The useful comparison
What the VA benefit actually changes.
Product terms depend on the complete loan file. This comparison shows the structural differences without inventing a payment or approval.
Factor
VA-backed loan
Traditional mortgage
Down payment
May allow zero down
Often requires borrower funds
Monthly mortgage insurance
No monthly PMI
May apply based on product and equity
Eligibility
Service and entitlement requirements
Program-specific borrower requirements
Property
Primary residence with VA property review
Varies by product and occupancy
Upfront fee
VA funding fee may apply or be exempt
Program fees vary
From benefit to keys
A clear file beats a heroic scramble.
The process stays in one file from the first profile through underwriting and closing.
Gather what exists
With your consent, connect VA eligibility and financial sources or upload documents for review.
Resolve the gaps
Sgt. Savings organizes the file and asks only for information the connected sources could not confirm.
Review the plan
A mortgage professional reviews eligibility, affordability, property needs, and the right loan path.
Move to closing
Track conditions, appraisal, underwriting, documents, and milestones through the same file.
Plan before you shop
Two tools. Fewer blind spots.
Estimate the housing picture, then research the installation and community around the move.
Estimate the payment
Model price, down payment, funding-fee status, taxes, insurance, and other assumptions in the full calculator.
Open calculatorResearch the gaining area
Explore installation guides, BAH context, schools, and local veteran-owned businesses before you narrow the search.
Find your baseVA payment calculator
Run the numbers before they run you.
Adjust the assumptions and use the result as a planning estimate. Final terms require a completed loan review.
Sgt. Savings · Purchase planning
Tell us about the home. See what the numbers mean.
Start with three details. Change any answer and the estimate updates. Your answers stay in this browser session unless you choose to enter the application.
Illustrative monthly housing paymentAdd price and rateEnter a price and rate you want to explore.
Rate sensitivity—At 0.5 percentage points below and above your assumed rate. This is not a lender quote.
Scenario debt-to-income ratioNeed incomeEntered debt minimums plus housing ÷ stated gross monthly income. Residual income and lender review are separate.
Why am I seeing this result?
We used only figures you entered. The payment includes principal, interest, entered property taxes, insurance, and HOA. It excludes any VA funding fee, closing costs, utilities, and missing expenses. VA eligibility, entitlement, credit, residual income, property and income documentation require review. No approval or preapproval is generated here.
What would make this more precise?
- Home price and a rate assumption
- Property tax estimate
- Homeowners insurance estimate
- Actual gross monthly income
- Monthly debt payments (enter 0 if none)
- Certificate of Eligibility and available entitlement
- Credit, residual income, funding fee status, and lender review
Ask Sgt. Savings about your plan
The assistant uses VAB’s existing chat. You decide whether to share the details you entered; chat history may be retained for signed-in accounts.
Shared details auto-send only when chat starts a fresh conversation. If you already have a conversation, paste the copied scenario into it. Chat does not create a mortgage application.
The downloadable plan includes what you entered. Only the two purchase figures you explicitly choose to carry are stored in this browser tab for up to 20 minutes and removed when the application reads them. Other answers stay here; you can re-enter or confirm them in the application.
Purchase:
Refinance:
Analysis:
VA Loan Payment
Loan Details
$
$
VA loans allow $0 down
VA Loan Status
Monthly Payment
$2,964
per month (PITI)
Principal & Interest$2,583
Property Tax$273
Homeowners Insurance$108
PMI$0 (VA Benefit!)
VA Funding Fee
Funding Fee Rate2.15%
Funding Fee Amount$8,600
Total Loan Amount$408,600
Ready to get started?
Talk to a VA Loan SpecialistAll calculations are estimates and for informational purposes only. Please consult a financial advisor for personalized advice.
1st yearIncluded home-warranty benefit on qualifying VAB VA home loans, subject to the issued plan and activation terms.
After closing still matters
Protection for the systems behind the front door.
Eligible VA home-loan customers can receive a first-year home-warranty benefit for covered systems and appliances. The plan, service fee, activation, limits, and exclusions are explained before closing.
Review the home-warranty benefitReal people, real files
Meet the team that reviews VA loans.
Mortgage specialists shown here come from the live VAB staff directory. Availability may vary.
No bankers available at this time. Please check back later.
Keep losing the house?
Your benefit builds too. Start yours.
If the resale market is not producing the right house, explore a VA construction path. Save the homes and features you like, shape the plan, and separate land from construction costs before committing to a build.
Creating an account takes a minute. No loan application required to start a board.
VA home-loan questions
Direct answers, with the qualifiers that matter.
The VA guaranty may allow eligible borrowers to finance a purchase without a down payment. Entitlement, the purchase price, appraisal, lender requirements, and the complete loan file still matter. We confirm the actual structure before presenting a pre-approval.
No. VA-backed loans do not require monthly private mortgage insurance. A VA funding fee may apply unless the borrower qualifies for an exemption, and other normal housing costs still apply.
You can request a Certificate of Eligibility through VA.gov. With your permission, The Veteran Alliance can also request and review the available eligibility information as part of the mortgage application.
Often, yes. The benefit is reusable. The available entitlement depends on prior VA loans, restoration, any remaining entitlement, the new property, and the complete transaction.
Some borrowers can use remaining entitlement for another primary-residence purchase, including certain PCS situations. The existing loan, occupancy plan, entitlement, and qualification must all be reviewed.
VA construction financing may be available for an eligible borrower, property, builder, budget, and project. The Veteran Alliance supports a one-time-close construction path and separates land and construction costs during review.
VA financing may support a property with up to four units when the borrower will occupy one unit as a primary residence. Property eligibility, income treatment, reserves, and the full loan file must be reviewed.
Certain veterans receiving qualifying service-connected disability compensation, some surviving spouses, and eligible active-duty Purple Heart recipients may be exempt. The final exemption is confirmed from authoritative VA eligibility information.
The application flow can begin with connected financial information and document review. The required credit process and timing are explained before authorization; a hard inquiry is not treated as an invisible first step.
Your next move
Know what the benefit can do before you make the offer.
Start once. Bring forward what you already know. Review the actual loan structure with a veteran-staffed mortgage team.