$0 Down Payment Options
For eligible borrowers, subject to entitlement, property value and loan requirements.
YOU’VE EARNED IT.
UNDERSTAND IT.
Clear answers to the questions that come before your next move.
No Monthly PMI
No monthly private mortgage insurance. Closing costs and a VA funding fee may still apply.
Competitive Loan Options
Explore purchase and refinance choices based on your qualifications and goals.
Reusable VA Benefit
Eligible borrowers may use the benefit again. Remaining entitlement and restoration rules matter.
THREE QUESTIONS.
A CLEARER START.
Your service eligibility
Your COE helps establish eligibility and available entitlement.
Your financial picture
Income, credit, debts and assets are part of your lender’s review.
Your home & plans
Property, appraisal and occupancy requirements matter, too.
NOT SURE IF YOU QUALIFY?
WE’LL HELP YOU FIND OUT.
We’ll help you understand your COE and the next steps.
Check My VA EligibilityWho may be eligible?
Veterans, active-duty service members, certain Guard and Reserve members, and some surviving spouses may qualify. Your COE establishes VA eligibility, separate from loan approval.
Does no down payment mean no money at closing?
No. Closing costs, prepaid expenses and a funding fee may still apply. Your Loan Estimate shows the cash you’ll need.
What about the VA funding fee?
This one-time fee varies by loan type, prior use and purchase down payment. Qualifying borrowers with service-connected disability benefits and certain surviving spouses may be exempt. Your lender will verify your fee and exemption status.
Can I use my benefit again?
Yes. Remaining entitlement and restoration requirements affect your options. Your loan officer can review your COE with you.
Is Hero Loan part of the VA?
No. Hero Loan operates under Golden Empire Mortgage, Inc., a private lender. The VA guarantees part of qualifying loans and does not endorse Hero Loan.
YOUR BENEFIT.
YOUR QUESTIONS. ANSWERED.
Let’s review your eligibility and options together.
Talk through my eligibility Or talk with your VA loan team: (888) 855-1341