VA Loans for Veterans and Service Members
Use your VA home loan benefit for $0 down on a primary residence, with no monthly PMI.
Why a VA Loan?
VA loans are guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, and certain surviving spouses. Many borrowers can purchase with no down payment, no monthly mortgage insurance, and competitive rates. A VA funding fee usually applies unless you are exempt (for example, due to a qualifying disability rating).
About VA Home Loans
A Certificate of Eligibility (COE) confirms entitlement. We help you obtain it and structure the loan around remaining entitlement, occupancy, and residual income guidelines.
VA loans are for a primary residence. Investment properties generally are not eligible, though a one-unit purchase you will occupy can include a limited number of units in a 2–4 unit property.
IRRRL (Interest Rate Reduction Refinance Loan) streamlines a VA-to-VA refinance. Cash-out VA refinances are also available subject to seasoning and equity.
The VA Loan Process
Here’s how the process works with Primal Lending.
- 01
Complete our simple qualifier so we understand your goals, timeline, and credit profile.
- 02
Receive options based on your unique scenario — program, term, occupancy, and property type.
- 03
Choose the offer that best fits your payment, down payment, and long-term plans.
- 04
We coordinate processing, appraisal, and closing so you can move with confidence.