VA loans. Built around your service.

Start with eligibility

VA-backed purchase loans may be available to eligible veterans, service members and certain surviving spouses. A Certificate of Eligibility helps show the lender that you meet the VA service requirements; the lender must also review credit, income and other qualifications.

Ask about your eligibility and available entitlement before relying on a particular down payment assumption. The property must also satisfy the program’s requirements.

Understand the benefits and costs

A VA-backed purchase loan may offer no down payment for an eligible borrower when program and lender requirements are met. VA loans do not require monthly private mortgage insurance. A VA funding fee may apply unless the borrower qualifies for an exemption.

What to discuss

• Your service history and Certificate of Eligibility.
• Any prior VA loan, current entitlement and intended occupancy.
• Funding fee applicability or a possible exemption.
• The total payment, interest rate, APR and cash to close.
• Property condition, appraisal and the purchase timeline.

A respectful, clear next step

Contact Harman to discuss a VA loan scenario and compare it with other financing options. Eligibility for a VA benefit and approval for a specific mortgage are separate determinations.