VA Loan Guidance for Military Families

Expert guidance through your VA loan process from an MRP Certified veteran real estate agent who understands both sides of the transaction. Maximize your military benefits for homeownership.

VA Loan Benefits You've Earned

Your military service has earned you access to one of the best home loan programs available.

No Down Payment Required

Purchase a home with 0% down payment - no loan limits with full entitlement (eliminated in 2020)

No Private Mortgage Insurance

Save hundreds monthly by avoiding PMI requirements

Competitive Interest Rates

Access to some of the best rates available in the market

No Prepayment Penalties

Pay off your mortgage early without additional fees

Your VA Loan Process, Step by Step

Navigate the VA loan process with confidence and expert guidance.

1

Get Your Certificate of Eligibility

Obtain your COE through VA.gov or we can help you get it quickly

2

Pre-Approval with VA Lender

Connect with our trusted VA-approved lenders for pre-approval

3

Find Your Home

Search military-friendly neighborhoods with your expert agent

4

VA Appraisal & Inspection

Navigate the VA appraisal process and property requirements

5

Close on Your Home

Complete your purchase with VA loan benefits in place

2025 VA Loan Entitlement - No Limits for First-Time Users

No VA Loan Limits Since 2020!

First-time VA loan users with full entitlement can purchase any home with $0 down payment

✅ First-Time VA Loan Users

  • No loan limits - Purchase any priced home
  • $0 down payment regardless of home price
  • • Full $766,550 entitlement available
  • • No PMI required at any purchase price

📋 Conforming Loan Considerations

  • • 2025 Northern Virginia conforming limit: $813,635
  • • Loans above conforming limits may require down payment
  • • VA guaranty covers 25% of loan amount
  • • Lender-specific overlays may apply

Important 2025 Update:

VA loan limits were eliminated in 2020 for borrowers with full entitlement. First-time VA loan users typically have full entitlement, meaning no loan amount restrictions. The conforming loan limits only affect down payment requirements for jumbo loans above $813,635 in Northern Virginia.

VA Loan Resources & Tools

VA Loan Calculator

Calculate your monthly payments with VA loan benefits

Use Calculator →

Pre-Approval Checklist

Everything you need for VA loan pre-approval

Get Checklist →

PCS Timeline Guide

Coordinate your VA loan with PCS orders

View Timeline →

Ready to Use Your VA Loan Benefits?

Connect with our MRP Certified veteran real estate agent and trusted VA lenders to start your home buying journey.