Loan Programs — Government

VA Home Loans

Zero down payment. No PMI. Competitive wholesale rates for veterans and active-duty military — one of the strongest loan products available for those who qualify.

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Down Payment

No PMI

Ever

21–30

Days to Close

Who It’s For

Is this your loan?

Every program is built for a specific borrower. Here’s where this one tends to be the right call.

The Active-Duty Buyer

You’re currently serving and ready to buy. VA allows you to purchase with no money down — preserving your cash for other priorities.

The Veteran Buyer

You served and have earned this benefit. VA often outperforms conventional even at 20% down when you factor in the no-PMI advantage.

The VA Refinancer

Already in a VA loan and want a lower rate? The VA IRRRL (streamline refinance) requires minimal documentation and no appraisal in most cases.

The Process

From quote to keys

One point of contact, start to finish. Here’s what working with Manor looks like.

Entitlement Check

We verify your Certificate of Eligibility and review your entitlement — including remaining entitlement if you’ve used VA before.

Application & Docs

DD-214 or statement of service, standard income docs, and COE. We pull the COE directly in most cases — no waiting on the VA.

Underwriting

VA appraisal with MPR (minimum property requirements) review. We manage the VA-specific conditions proactively and keep you informed throughout.

Close & Fund

VA funding fee is rolled into the loan in most cases. CD 3 days prior — your loan officer walks every line with you before signing.

Common Questions

Straight answers

Active-duty service members, veterans who meet service requirements, National Guard and Reserve members with qualifying service, and surviving spouses of veterans who died in service or from a service-connected disability. Eligibility is established through a Certificate of Eligibility (COE).

Yes. VA entitlement can be restored after a prior VA loan is paid off, or you can use remaining entitlement to buy again while keeping an existing VA loan. The rules are nuanced — your loan officer will walk through your specific entitlement situation.

The funding fee is a one-time charge that funds the VA loan program — it ranges from 1.25% to 3.3% depending on your down payment and whether it’s your first VA loan. Veterans with a service-connected disability rating of 10% or more are exempt. It can be rolled into the loan.

For borrowers with full entitlement, there is no VA loan limit — you can borrow as much as a lender will approve. Loan limits only apply if you have reduced entitlement from a prior VA loan that wasn’t paid off.

For eligible borrowers, VA almost always wins on total cost — no down payment, no PMI, and competitive rates. The funding fee is the main offset. Your loan officer will run a side-by-side comparison on your scenario so you can see the actual numbers.

Get a Quote

You’ve earned this benefit

VA loan structuring has nuances that most lenders get wrong. Your loan officer has experience with entitlement, funding fee exemptions, and VA-specific scenarios.

COE pulled directly — no waiting
Funding fee exemption check included
IRRRL available for existing VA loans
Your loan officer responds personally

Tell us about your scenario

❦

Got it — your loan officer will be in touch.