12+ Loan Programs Tailored to Your Needs
VA Loans
0% down for eligible veterans and active-duty service members
Equal Housing Lender • Loans originated by Nick Petrosov (NMLS #2015537) through Guild Mortgage Company (NMLS #3274)
Licensed in California. This is not a commitment to lend. All loans subject to underwriting and credit approval.
VA Loans Overview
VA loans offer incredible benefits for veterans and active military personnel, including no down payment, no PMI, and competitive interest rates.
Key Program Details
Min Down Payment
0%
Min Credit Score
540+
Loan Limit
No maximum loan amount (VA guarantee up to $1,249,125)
PMI/MIP Rules
No PMI required
Advantages
- No down payment required
- No private mortgage insurance
- Competitive interest rates
- Flexible qualification criteria
- No prepayment penalties
Considerations
- Limited to eligible veterans/military
- VA funding fee (typically 2.15%, ranges 0.5%-3.3% based on loan type, prior VA loan use, and down payment) - can be rolled into loan amount
- Property must be primary residence
- One VA loan at a time
Who This Loan Is Best For
Active-duty military personnel
Veterans with qualifying service
Surviving spouses of veterans
National Guard and Reserve members
Those seeking zero down payment
Quick Scenario Example
$900K purchase → $0 down → $5,181/mo P&I (no PMI)
$900K purchase
$0 down
$5,181/mo P&I (no PMI)
$900,000
Home Price
$0
Down Payment
$5,181
Monthly Payment (P&I)
5.625%
Interest Rate
Ready to Apply for VA Loan?
Let's discuss your options and get you pre-approved today.
What You Get:
Same-day pre-approval
Competitive rates
Local expertise
Fast closing
Personalized service