Your Earned Benefit
VA Loans: What Your Service Earned You — $0 Down
The VA home loan is one of the most powerful financial tools in existence. It’s exclusively yours—here’s how it translates into real-world savings for your family.
The Power of the VA Loan
No other loan program offers this combination of low rates, zero down payment, and long-term protection.
$0 Down Payment
On a $335,000 home, a conventional loan might require up to $67,000 upfront. With your VA benefit, you can keep that cash in your savings.
- Save $17K–$67K at closing
No PMI — Ever
Most loans with less than 20% down require monthly mortgage insurance. VA loans never do, saving you hundreds every single month.
- Save $1,200–$3,000/year
Lowest Processing Fee than Other Banks
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- Save $50–$100/month
Reusable for Life
Your benefit doesn't expire. Use it for your first home, your forever home, and even multiple homes at once with proper entitlement management.
- No expiration date
Assumable Loan
When you sell, a qualified buyer can take over your low rate. In a high-rate market, this makes your home significantly more valuable to buyers.
- Competitive resale advantage
Foreclosure Protection
The VA provides a unique safety net with financial counseling and intervention if you ever face hard times. They truly have your back.
- VA safety net included
Real Dollar Savings
Comparing VA vs. Conventional on a $335,000 Home
| Cost Item | VA Loan | Conventional (5% Down) |
|---|---|---|
| Down Payment | $0 | $16,750 |
| Monthly PMI | $0 | ~$150/mo |
| Monthly P&I (est.) | ~$70 less | - |
| Total 1st Year Savings | ~$20,000+ | - |
- Estimates based on ~6.5% conventional rate vs. ~6.25% VA rate. VA funding fee (2.15% first use, financed) partially offsets savings — still positive for most buyers staying 3+ years. Disability-exempt veterans save even more.
VA Loan FAQs
Ready to Use Your Benefit?
We specialize in VA loans and understand the unique needs of our military families. Let’s get you home.
Related Resources:
- KYLE JESSEE LENDING TEAM
- MOVEMENT MORTGAGE
184 Duke of Gloucester St Suite 1B, Annapolis, MD 21401
NMLS #1212644 | Kyle.Jessee@movement.com