VA Home Loans in Columbus, OH
Zero down payment home loans for eligible veterans, active duty, and military families. Honor your service with the home loan benefit you've earned.
Honor your service. Skip the stress.
Our VA loans are designed specifically for veterans, active duty, and military families who want to achieve homeownership without the traditional lending barriers.
Zero down payment
Buy your home with no money down — the VA loan benefit you've earned through your service.
No PMI required
Save hundreds per month with no private mortgage insurance required on VA loans.
Flexible credit requirements
More lenient credit standards compared to conventional loans, making homeownership accessible.
Government guarantee
VA loans are backed by the U.S. government, providing security and competitive rates.
Everything you need to know about VA loans
What is a VA loan?
A VA loan is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs, designed to help veterans, active-duty service members, and eligible military families achieve homeownership with favorable terms.
VA loan eligibility requirements
To be eligible for a VA loan, you must be a veteran with qualifying service, active-duty service member, National Guard or Reserve member, or surviving spouse of a veteran who died in service or from service-connected disabilities.
VA loan benefits
VA loans offer zero down payment, no private mortgage insurance, competitive interest rates, flexible credit requirements, no prepayment penalties, and the ability to use the benefit multiple times.
Who should consider a VA loan?
How It Works
Apply Online
Fill out our quick online form with your basic information and military service details.
Speak with a mortgage expert
Discuss your homeownership goals with our VA loan specialist and get your Certificate of Eligibility.
Complete everything online
Use document upload and e-sign capabilities to complete your VA loan application.
Get approved
We have streamlined the VA loan process to get you approved fast!
Close your loan
Simply e-sign your documents and close on your VA loan with zero down payment.
Benefits of VA Loans
VA loans offer unique advantages that make homeownership more accessible for those who have served our country, with benefits that can save you thousands of dollars.
Zero down payment
Buy your home with no money down — the VA loan benefit you've earned through your service to our country.
No PMI required
Save hundreds of dollars per month with no private mortgage insurance required on VA loans.
Flexible credit requirements
More lenient credit standards compared to conventional loans, making homeownership accessible to more veterans.
Government guarantee
VA loans are backed by the U.S. government, providing security and competitive interest rates.
💡 Frequently Asked Questions
A VA loan is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs. Eligible borrowers include veterans, active-duty service members, National Guard and Reserve members, and surviving spouses of veterans who died in service or from service-connected disabilities.
VA loans offer zero down payment, no private mortgage insurance (PMI), competitive interest rates, flexible credit requirements, and no prepayment penalties. They also allow for higher debt-to-income ratios and have no maximum loan limits in most areas.
The VA funding fee is a one-time fee paid to the VA to help offset the cost of the loan program. The fee varies based on your military service, down payment amount, and whether it's your first or subsequent use of the VA loan benefit. Some borrowers may be exempt from this fee.
VA loans have no maximum loan limits for borrowers with full entitlement. However, if you have remaining entitlement or are purchasing a home above the conforming loan limit, you may need to make a down payment on the amount above the limit.
Yes, you can use your VA loan benefit multiple times. You can have multiple VA loans simultaneously if you have sufficient entitlement, or you can reuse your benefit after paying off a previous VA loan or selling the home and paying off the loan.
The VA doesn't set a minimum credit score requirement, but most lenders require a credit score of at least 580-620. VA loans are known for being more flexible with credit requirements compared to conventional loans, making them accessible to many veterans and military families.
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