VA Loans

What is a VA Loan?

A VA home loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). It offers affordable home financing to eligible American veterans or their surviving spouses.

Benefits of VA Loan:

  • $0 Down Payment*

  • No Private Mortgage Insurance (PMI)

  • No Prepayment Penalties

  • Flexible Credit and Income Requirements

  • Interest Rate Reduction Refinance Loan (IRRRL)

  • Ability to buy down the interest rate temporarily or permanently through credits

  • Up to 4% of seller paid credits which can go towards:

    • Buyer’s personal debt for better mortgage rates

    • Buyer’s closing costs to minimize cash needed at closing

    • Mortgage interest rate

*A down payment is required if the borrower does not have full VA entitlement.

House made of hundred-dollar bills representing VA loan savings with zero down payment for Seattle veterans

Who qualifies?

To be eligible for a VA loan, you or your spouse must meet the minimum service requirements set by the VA, have a valid Certificate of Eligibility and satisfy the credit and income requirements.

Requirements:

  • Served 90 consecutive days of active service during wartime

  • Served 181 days of active service during peacetime

  • 6 years of service in the National Guard or Reserves, or served 90 days (at least 30 of them consecutively)

  • Spouse of a service member who died while serving or due to a service-related disability

  • Credit score of 580 or higher

Active-duty military woman smiling outdoors representing veteran homebuyers served by Seattle VA loan real estate team

Have VA Loan Questions? Ask Away.

Before you even start scrolling listings, it helps to connect with a lender who knows both VA loans and the Seattle real estate market. Whether you're eyeing your first home or something a bit more refined, you can ask questions anytime — no pressure, no paperwork, just smart guidance when you need it.

Model home on blueprints with magnifying glass representing VA-approved home inspection process in Greater Seattle

What Homes Can You Buy with a VA Loan in Greater Seattle?

Pretty much any single-family home, most townhomes, and even some condos qualify. The trick? Not every listing spells it out. That’s where working with a VA-savvy Seattle Realtor comes in — someone who can spot VA-approved homes (even when the listing doesn’t). Whether it’s your first home or a forever-level upgrade, you’ve got more options than you think.

Modern white kitchen in luxury Seattle condo available to veterans through VA home loan financing with zero down payment