You served our country.
Let us serve you.

Unlock your hard-earned VA home loan benefits. Maximize your buying power with $0 down payment, no PMI, and the lowest rates in the industry exclusively for Veterans and Active Duty Military.

0% Down
Payment

$0 PMI
Required

580 Min.
FICO

Check VA Eligibility

Find out how much house you can afford in 2 minutes. No impact on your credit score.

Military Status

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The VA Advantage: Lower Interest Rates Easier Qualification No Prepayment Penalties

Your Exclusive Benefits

The VA home loan is widely considered the most powerful mortgage program on the market. Here is what you get when you choose Valor Home Funding.

$0 Down Payment

Keep your savings in the bank. Eligible borrowers can finance 100% of their home's purchase price without putting a single dollar down.

No Private Mortgage Ins.

Unlike conventional or FHA loans, VA loans do not require monthly PMI, saving you hundreds of dollars on your mortgage payment every month.

Forgiving Credit

We understand that deployments and relocations can impact credit. VA loans offer more lenient credit score requirements (minimum 580 FICO).

COE Assistance

Don't have your Certificate of Eligibility (COE) yet? Don't worry. Our VA specialists can pull it directly from the VA portal on your behalf in minutes.

Not all lenders speak military. We do.

Retail banks treat VA loans like an afterthought. They don't understand BAH (Basic Allowance for Housing), LES (Leave and Earnings Statements), or the urgency of PCS (Permanent Change of Station) orders.

At Valor, VA loans are our specialty. Our loan officers are trained specifically in military financing to ensure your loan closes on time, every time.

Work With a VA Specialist

Stories from the Frontlines

Hear from fellow veterans and active duty members who secured their homes with Valor.

"My big bank denied me because they didn't know how to calculate my military income correctly. Valor stepped in, explained exactly what documents were needed, and got me approved in 48 hours. Bought my first home with $0 down."

Sgt. Michael R.

US Marine Corps Veteran | San Diego, CA

"PCSing across the country is stressful enough without worrying about financing. The team at Valor handled the VA appraisal process flawlessly while we were still out of state. True professionals."

Sarah J.

Military Spouse | Fort Bragg, NC

"Used my VA benefit to refinance and pull cash out to pay off debt. Valor secured an incredibly low rate and their communication was top-notch. Highly recommend to all my brothers in arms."

Cpt. David T.

US Army (Active) | Killeen, TX

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You served our country. Let us serve you.