Purchase Loans
VA
You served. You earned zero-down financing with no PMI. Let's use it.
VA loans are one of the most powerful benefits available to those who've served. Zero down, no PMI, competitive rates, and flexible qualification — it doesn't get much better than this. With JBLM, Naval Base Kitsap, Fairchild AFB, and Naval Station Everett all in Washington, I close VA loans for active-duty and veteran buyers across the state every month.
$0
Down Payment
$0
Monthly PMI
Key Features
- • Zero down payment required
- • No private mortgage insurance — ever
- • Rates typically 0.25–0.5% lower than conventional
- • No loan limit with full entitlement
- • Reusable benefit — use it again and again
- • Up to 4% seller concessions allowed
- • Assumable by another qualified VA buyer
- • More flexible credit and DTI guidelines
How VA loans work
The VA doesn't lend money — it guarantees a portion of the loan against default, which lets lenders offer zero-down financing without mortgage insurance. You'll need a Certificate of Eligibility (COE) — I pull that for you. The home gets a VA appraisal that checks both value and Minimum Property Requirements. After close, the loan behaves like any other mortgage: monthly payment, escrows for taxes and insurance, the works.
VA loans in Washington
Washington has roughly 540,000 veterans — and one of the highest active-duty populations on the West Coast thanks to JBLM, Bremerton/Kitsap, Whidbey Island, and Fairchild. I help service members buy near base, navigate PCS timelines, and structure dual-VA strategies when one veteran-couple has two entitlements to use. Spokane and Tacoma are especially veteran-friendly markets where seller concessions and price flexibility help close costs disappear.
Pros
- • Most powerful loan benefit in the industry
- • Zero down, zero PMI, lower rate
- • Funding fee waived for disabled vets
- • Up to 4 units with owner-occupancy
Cons
- • Funding fee adds to loan balance (unless exempt)
- • Primary residence only (no rentals)
- • Stricter property condition standards
- • Some listing agents push back on VA offers — pick the right agent
Best for: Active-duty service members, veterans, National Guard/Reserve with qualifying service, and eligible surviving spouses. If you served, this is almost always the loan.
Common Questions
Related Loan Types
Popular WA markets for VA
VA loans dominate near JBLM (Tacoma, Puyallup, Federal Way), Naval Station Everett, and Fairchild AFB (Spokane).