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With Millennial Home Loans quick online loan application, determining if you qualify for an VA Loan and for how much, has never been easier.

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Not ready to apply online? No problem. Answer a few questions, and a VA Home Loan Mortgage Expert will call you back.

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VA Loans.

You Served, You Earned It!

The Zero-Down Payment Mortgage, Up To $20,000,000 for our Veterans and Current Military Personnel

VA Loan Program Benefits

  • 100% Financed Mortgage, No Money Down, $0 Down Payment
  • No Monthly Mortgage Insurance or PMI, Saving you Thousands over the Life of the Loan
  • Flexible Credit Requirements, with Credit Scores Down to 580
  • Safe, Secure 30 Year Fixed Rate Mortgage or Lower Interest Rates with an Adjustable Rate Mortgage
  • No Maximum Loan Amount. Down Payment may be Required
  • With Seller Help, No Out-Of-Pocket Closing Costs
  • Most Property Types Allowed

VA Loan Qualification Requirements

  • Borrower must be able to obtain a Certificate of Eligibility from the VA
  • All borrowers on the loan must have a minimum 580 middle credit score
  • No foreclosure or short-sales permitted within the last 2 years
  • No Chapter 7 bankruptcies within the last two years
  • Property must meet VA appraisal guidelines
  • Down payment required if loan amount exceeds maximum County VA loan limits

VA Loan – Common Misconceptions

  • If you have your VA eligibility, you earned it, so use it. Common misconceptions held by VA Borrower’s on why their VA Loan eligibility can’t be used include:
    • I previously had a VA Loan so I can’t use it again. Not true: If the previous VA Loan was paid-off in full, you can use your VA eligibility as often as you like
    • I currently have a VA Loan and am only allowed to have one VA Loan at a time. Not true: Under certain circumstances you can take advantage of your VA eligibility and obtain a second VA Loan, without closing out the current VA Loan. Call us to discuss further
    • I had a property with a VA Loan that went into foreclosure or I had to short-sell so I lost my VA eligibility. Not true: Under certain circumstance you may have enough of your remaining VA eligibility left to use on another VA Loan purchase. Call us to discuss further
    • I am a Veteran and looking to purchase a property that will require a loan amount more than VA maximum loan limits and don’t think I can use my VA Loan without paying a down payment. Not true: If you have your full VA Eligibility you can purchase a property, with a purchase price up to $20M, without a down payment so long as you as the borrower and the property can qualify for a VA Loan.

Talk to a VA Mortgage Expert

Not ready to apply online? No problem.


Answer a few questions, and a VA Home Loan Mortgage Expert will call you back.

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