VA home loans offer eligible veterans, active-duty service members, and surviving spouses significant
advantages — including no down payment required in most cases and no private mortgage insurance.
VA loans are exclusively available to veterans, active-duty service members, members of the National
Guard and Reserves (with qualifying service), and eligible surviving spouses. Guaranteed by the U.S.
Department of Veterans Affairs, they offer some of the most favorable terms of any mortgage program
for those who qualify
- Must meet VA service eligibility requirements — obtain a Certificate of Eligibility (COE) to confirm
- Property must be the borrower's primary residence
- VA funding fee applies in most cases (can be financed into the loan); fee may be waived for service-connected disabled veterans
- No minimum credit score set by the VA — lender overlays typically apply (most lenders require 580–620 minimum)
- Sufficient residual income required per VA guidelines
- Property must meet VA Minimum Property Requirements (MPR)
Fill out the form below and a West Capital Lending advisor will reach out within one business day to
discuss your options — no commitment required.