VA Loans

You served. Your benefit does the down payment.

Zero down, no monthly mortgage insurance, and competitive rates — the VA loan is the strongest tool in the box, and most veterans never use it.

See what you're likely eligible for

How it works

Confirm your eligibility

One quick conversation and your COE — no digging through paperwork alone.

Get pre-approved

Know your budget with $0 down before you ever tour a house.

Shop and offer

VA offers win when the lender is responsive. Nic keeps agents in the loop.

In-house underwriting keeps VA timelines competitive with conventional.

Quick requirements

Veterans, active-duty service members, National Guard and Reserve members, and eligible surviving spouses.

✓ Qualifying service history (commonly 90 days active wartime, 181 days peacetime, or 6 years Guard/Reserve)✓ A Certificate of Eligibility (COE) — Nic can pull this for you in minutes✓ The home is your primary residence✓ Flexible credit — no hard government minimum score✓ A one-time VA funding fee applies (waived with a service-connected disability rating)

General guidelines, not a loan offer — programs and terms depend on your full picture.

You served. Your benefit does the down payment.

How it works

Quick requirements

Ready for real numbers?