Zero Down.
No PMI.
Your Home.

While the VA doesn't set a minimum credit score, most lenders (including us) look for a minimum of 580-620. That said, we're more flexible than conventional lenders because the VA guarantee reduces our risk. If your credit isn't perfect but you've got solid income and low debt, we can usually make it work. We look at the whole picture, not just a number.

Yes, really. VA loans allow 100% financing, meaning you can buy a home without putting any money down. That said, you'll still need cash for closing costs (unless the seller agrees to cover them, which is allowed up to 4% of the sale price). You can also choose to put money down to lower your monthly payment or reduce your VA funding fee.

The VA funding fee is a one-time fee that helps keep the VA loan program running. It ranges from 1.4% to 3.6% of the loan amount depending on your down payment, loan type, and whether it's your first VA loan. Good news: veterans with a service-connected disability rating of 10% or higher are exempt. The fee can be rolled into your loan amount, so you don't pay it out of pocket.

Absolutely. Your VA loan benefit is reusable. Once you sell a home purchased with a VA loan (or pay it off and have a one-time restoration of entitlement), you can use your benefit again. Many veterans use it multiple times throughout their lives. You can even have two VA loans at the same time in certain situations—like if you PCS and keep your first home as a rental.

From contract to closing, the average VA loan takes 30-45 days. That's about the same as conventional loans. The VA appraisal can add 7-10 days compared to conventional, but it's worth it because it protects you from overpaying and ensures the property meets minimum safety standards. If you're doing an IRRRL (streamline refinance), it can be even faster since there's no appraisal or income verification required.

Yes, up to 4 units—as long as you live in one of them as your primary residence. This is a killer strategy: buy a duplex, triplex, or fourplex, live in one unit, rent out the others. The rental income can help you qualify for the loan. You're building equity and generating cash flow from day one. It's one of the best wealth-building moves you can make with your VA benefit.

First, reach out to us immediately. The VA has foreclosure prevention programs designed specifically for veterans, and we're required to work with you to explore every option before foreclosure. Options include loan modification, repayment plans, forbearance, or a refund of the VA funding fee if you sell the property. The VA also has servicing requirements that mandate we treat you fairly and exhaust all alternatives. Don't ghost us—we can only help if we know you're struggling.

Yes, but with conditions. The manufactured home must be classified as real property (not personal property), which means it needs to be permanently affixed to land you own. It must be built after June 15, 1976 (HUD code), and meet VA requirements. We can also do VA loans for manufactured homes on leased land in some cases. The loan limits and terms may differ slightly from site-built homes, but it's absolutely doable.

The Veteran Alliance is a 100% veteran-staffed mortgage lender that specializes exclusively in VA loans. Every loan officer is a veteran who has personally navigated the VA loan process. We offer $0 down payment, no PMI, and a concierge approach where one dedicated veteran banker handles your entire loan from pre-approval to closing—in all 50 states, day one. Unlike big banks that treat VA loans as one product among many, VA loans are our specialty and our mission.

Yes. Veterans with a VA disability rating of 10% or higher are exempt from the VA funding fee, which can save $3,000 to $12,000 or more depending on the loan amount. This exemption applies to purchase loans, refinances, and construction loans. If you received the Purple Heart while on active duty, you are also exempt. At The Veteran Alliance, our veteran loan officers ensure every eligible disability exemption is applied to your loan.

At The Veteran Alliance, VA loan pre-approval starts with a call to your dedicated veteran loan officer. You will need your Certificate of Eligibility (COE), which we can pull for you in minutes using the VA's automated system, plus proof of income (LES, W-2s, or tax returns), bank statements, and a valid ID. Pre-approval typically takes 24-48 hours. Once approved, you get a pre-approval letter that shows sellers you are a serious, qualified buyer with VA-backed financing.