Can I use my VA loan benefit more than once?

Yes. The VA loan benefit is reusable. Many of our clients use it to buy, later sell or refinance, and then use it again on their next home.

What's the VA funding fee?

For a first-use VA purchase loan with less than 5% down, the funding fee is 2.15% unless an exemption applies. The fee varies by loan type, prior use, and down payment. It can be financed. Lee can help confirm exemption eligibility with VA.

Will sellers accept a VA offer?

A seller decides which offer to accept. A VA preapproval can help explain your financing, while the property still needs to meet VA and lender requirements.

Can I use a VA loan on a fixer-upper?

VA loans require the home to meet 'Minimum Property Requirements' at closing. Cosmetic issues are usually fine; active safety issues (roof, HVAC, structural) typically have to be resolved before closing.

VA Loan

VA Loans

Home financing benefits for eligible veterans, service members, and surviving spouses.

A VA loan may let you buy with no down payment and no monthly mortgage insurance. Eligibility, entitlement, and lender requirements apply.

Ask about preapproval Full loan application

Start with a conversation. The full application opens in ARIVE and is the place for financial details and documents.

About VA Loans

VA loans are backed by the Department of Veterans Affairs and available to eligible active-duty service members, veterans, and certain surviving spouses. Zero down, no monthly mortgage insurance, and competitive rates.

Key benefits

Zero down payment

Up to 100% financing with no down payment required, a benefit you can use more than once in your lifetime.

No private mortgage insurance

VA-backed loans don't require monthly mortgage insurance. A funding fee may apply, so compare the full loan cost.

Compare total costs

Lee can compare a VA option with other eligible programs, including the rate, funding fee, closing costs, and monthly payment.

Limited closing costs

VA rules limit certain borrower charges and seller concessions. Lee can explain which costs and negotiated seller contributions apply to your purchase.

The process

We pull your Certificate of Eligibility from the VA
Pre-qualification based on your service history and income
VA appraisal to confirm value and minimum property standards
Final underwriting approval and closing

Questions we get a lot

VA FAQ

Yes. The VA loan benefit is reusable. Many of our clients use it to buy, later sell or refinance, and then use it again on their next home.

Check the program details

Requirements vary by borrower, property, and lender. These official sources explain the program rules and annual limits.

Other loan programs

Not sure which one fits?

We'll help you compare. Here's what else is on our rate sheet.

Serving

Fort Thomas, KY Florence, KY Bellevue, KY Covington, KY Newport, KY Alexandria, KY Highland Heights, KY Cold Spring, KY Northern Kentucky Cincinnati, OH Dayton, KY

Ask about VA loans

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