VA Home Loans
The most powerful mortgage benefit in America — $0 down, no PMI, and competitive rates for veterans, active-duty military, and surviving spouses.
Program Overview
VA home loans are guaranteed by the U.S. Department of Veterans Affairs, allowing private lenders to offer favorable terms to eligible borrowers. With no down payment requirement for eligible borrowers, no private mortgage insurance, and rates that may be competitive compared with other loan programs, VA home loans can make homeownership more accessible for those who have served. At Airus Lending, we focus on VA lending and understand the unique requirements, timelines, and documentation involved. Airus Lending is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs or any government agency.
Who Is This Loan For?
- ✓ Veterans with qualifying military service
- ✓ Active-duty service members
- ✓ National Guard and Reserve members with qualifying service
- ✓ Surviving spouses of veterans who died in service or from a service-connected disability
- ✓ First-time and repeat homebuyers
- ✓ Veterans looking to buy a primary residence
Key Benefits
$0 Down Payment
100% financing — purchase your home with nothing down. No other mortgage program offers this benefit at this scale.
No Private Mortgage Insurance
Conventional loans with less than 20% down require PMI — VA loans never do. This saves borrowers $100-300+ per month.
Competitive Interest Rates
VA loans may offer competitive rates compared with other loan programs, depending on borrower profile, lender pricing, and market conditions.
Flexible Credit Requirements
The VA does not establish one universal minimum credit score, though lenders may apply their own credit requirements. Airus Lending works with multiple lenders that may consider a range of credit profiles.
No Loan Limit (Full Entitlement)
Eligible borrowers with full entitlement may not be subject to standard VA county loan limits, subject to entitlement, lender approval, borrower qualification, and property eligibility.
Seller Concessions Up to 4%
Sellers can contribute up to 4% of the sale price toward your closing costs, further reducing out-of-pocket expenses.
Qualification at a Glance
General Requirements
- Certificate of Eligibility (COE) from the VA — Airus Lending can help you obtain this
- Qualifying military service (typically 90 days active wartime or 181 days peacetime)
- Satisfactory credit history (no official minimum, most lenders require 580-620+)
- Sufficient residual income after major expenses
- Property must be owner-occupied primary residence
- Property must meet VA Minimum Property Requirements (MPRs)
Documents Typically Needed
- DD-214 (Certificate of Release or Discharge) for veterans
- Statement of Service for active-duty members
- Certificate of Eligibility (COE)
- Last 2 years W-2s or tax returns
- Recent pay stubs (30 days)
- Bank statements (2 months)
- Government-issued ID
Frequently Asked Questions
Yes. VA loan benefits can be reused. If you have paid off a previous VA loan or sold the property, you can restore your entitlement and use it again. Some veterans can even have two VA loans active at the same time.
Broker Disclosure: Scout Financial Group Inc DBA Airus Lending is a licensed mortgage broker (NMLS #2187418) and does not make loans or credit decisions. Airus Lending works with multiple wholesale lenders to help borrowers compare available loan options. Final approval depends on the lender, automated underwriting findings, documentation, state requirements, and overall borrower profile. Not all applicants will qualify.