VA Loans
Home financing benefits for eligible military members, veterans, and qualifying spouses.
A VA loan is guaranteed by the U.S. Department of Veterans Affairs and is available to eligible service members, veterans, and certain surviving spouses.
Potential benefits
- Eligible borrowers may be able to purchase with no down payment.
- No monthly mortgage insurance requirement.
- Can be used for purchases and certain refinances.
General eligibility considerations
- A Certificate of Eligibility based on qualifying service is generally required.
- Credit, income, and residual income are reviewed.
- The home is generally intended to be your primary residence.
Important limitations
- A VA funding fee may apply unless you are exempt.
- The property must meet VA minimum property requirements.
- Lender requirements may be in addition to VA guidelines.
Common questions
Can I use my VA benefit more than once?
In many cases, yes. Entitlement depends on your history of VA loan use. A loan expert can help you review your Certificate of Eligibility.
Who is exempt from the funding fee?
Certain borrowers, such as some veterans receiving service-connected disability compensation, may be exempt. Exemption is determined by the VA.
Is VA Loan right for you?
Every situation is different. Book a no-pressure consultation and a licensed loan expert will review your goals and walk through the options that may fit.
Program descriptions are general information, not a loan offer or commitment to lend. Eligibility, rates, fees, and terms depend on your circumstances and lender requirements and are subject to change. Not all applicants will qualify.
From first call
to closing day.
Your BridgePoint loan expert walks you through every step, so you always know what is done, what is next, and what you will need.
Tell us your goals
Buying your first home, growing your portfolio, or putting equity to work. We start with you.
Explore your options
Get clear guidance on the programs and possibilities that fit your financial picture.
Move forward with confidence
Your dedicated team stays by your side through the details, decisions, and closing.
Other programs to compare
Conventional Loans
Flexible financing options for purchasing or refinancing your home.
FHA Loans
Government-insured financing with flexible down payment and credit requirements.
Jumbo Loans
Financing for homes that call for a loan above the standard conforming loan limits.
First-Time Buyers
Find your footing with guidance and financing options for your very first home.
Seller-Paid Buydown
Learn how a seller contribution may temporarily reduce your mortgage payments.
Rehab & Renovation
Explore financing that brings your home purchase and eligible improvements together.
USDA Loans
Government-backed financing for eligible homes in qualifying rural and suburban areas.
Let’s Build What’s Next
Whether you’re buying your first home, making your next move, or refinancing, we’re here to help you move forward with clarity and confidence.