Align Lending

FOR HOME BUYERS

VA Loan: Exclusive Benefits for Veterans & Military

VA loans are backed by the U.S. Department of Veterans Affairs and are offered exclusively to eligible service members, veterans, and surviving spouses. With no down payment and no mortgage insurance, VA loans are one of the most powerful home financing tools available.

A home loan that makes home more affordable.

No Down Payment

Finance 100% of the home’s value.

No PMI

Save hundreds monthly without private mortgage insurance.

Competitive Rates

Among the lowest available.

Reusable Benefit

Use your VA eligibility more than once.

Guidelines for this Loan

If your details are close to these guidelines, we encourage you to apply or contact us. Even if you don’t qualify for an adjustable-rate mortgage, we could have other options for you.

COE

Credit Score

Property Type

VA Funding Fee

May apply (can be financed)

Estimate and Explore

Calculators are a great way to learn and see what’s possible.

Down Payment Calculator

Learn how much cash you need to buy the home in your mind.

Get More In-Depth Details

Articles that give you more information about this loan and explain how mortgages work.

Underwriting In The Mortgage Process, Explained

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What Is PMI? Private Mortgage Insurance Defined And Explained

When you take out a mortgage to purchase or refinance a home, you may be required to pay for mortgage insurance. Private...

Unlock Your Dream Home: The Advantages of Residential Jumbo Loans

Purchasing a luxury home often requires financing that goes beyond the limits of traditional loan programs. Residential jumbo loans provide...

Frequently Asked Questions

Answers to questions about this loan we heard from people like you during research.

Active-duty military, veterans, National Guard, Reserves, and some surviving spouses. 

Yes! If your original VA loan is paid off, you may be eligible to use it again.

No. Most VA borrowers don’t need any money down. 

It’s a one-time fee that helps fund the program. It’s waived for veterans with service-connected disabilities.

Yes, as long as you occupy one unit as your primary residence.

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