The Home Loan You Earned.
Zero down. Zero PMI. Exclusive benefits for those who served.
VA Loan Benefits
Exclusive advantages designed to help veterans and service members achieve homeownership.
$0 Down Payment
No down payment required on VA purchase loans.
No PMI Ever
Save hundreds per month with no private mortgage insurance.
Competitive Rates
VA loans typically offer lower rates than conventional loans.
You Served Your Country.
Let Us Serve You.
Our VA loan specialists understand military service and are dedicated to getting you the best deal.
Check Your EligibilityHow VA Loans Work
Three simple steps from eligibility to keys in hand.
Check Your Eligibility
Answer a few questions about your service to see if you qualify.
Get Pre-Approved
A VA loan specialist reviews your file and matches you to the best program.
Close on Your Home
Sign your docs and move in. We handle the VA paperwork.
Who Qualifies?
VA loan eligibility is based on your military service. Here are the main categories.
Veterans
90+ days wartime service or 181 days peacetime service.
Active Duty
Currently serving active duty service members.
National Guard & Reserve
6+ years of service in the Guard or Reserve.
Surviving Spouses
Surviving spouses of veterans who died in service or from a service-connected disability.
Why Choose Zoom for Your VA Loan?
We understand the sacrifices you've made. That's why we go above and beyond to make sure you get every benefit you've earned.
- VA loan specialists on staff who understand military service
- Close in as little as 12 days
- We handle all the VA paperwork for you
- $0 down payment on most VA purchase loans
- Licensed in 40+ states across America
VA Loan Facts
Key things every veteran should know about VA home loans.
VA funding fee can be financed into the loan
Funding fee waived for disabled veterans
VA loans can be used multiple times
VA loans are for primary residences only
VA IRRRL available for easy refinancing
What Our Clients Say
Real stories from real homeowners across the country.
“The team at Zoom made the entire process seamless. From pre-approval to closing, they were with us every step of the way.”
Satisfied Homebuyer
First-Time Buyer, Michigan
Check Your Eligibility
Answer a few quick questions about your service and we will connect you with a VA loan specialist.
What is your military service status?
Zoom Home Lending, LLC · NMLS #2620616· Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval.
Ready to Use Your VA Benefits?
You served our country. Let us help you get the home you deserve. Talk to a VA loan specialist today.
VA Loan Programs
Purchase or refinance — programs designed exclusively for veterans and service members.
VA Loans
The home loan you earned.
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs
VA IRRRL
Streamlined VA Interest Rate Reduction Refinance Loan for veterans
- Streamlined process — minimal paperwork
- No appraisal typically required
- Lower your interest rate quickly
- Available only to existing VA loan holders