VA Home Loans
VA Home Loans Made Simple
At Jeff Sherman, we proudly support Veterans, active-duty service members, National Guard and Reserve members, and surviving spouses through access to VA home loans — a powerful benefit designed to make buying a home more affordable.
Why Choose a VA Home Loan?
The VA Loan Guaranty Service (LGY) helps eliminate common financial barriers to homeownership. Since FY2020, the VA has guaranteed more than 3.8 million loans — and continues improving the process to make it easier than ever for Veterans to become homeowners.
What Does the “Guaranty” Mean?
When you get a VA home loan, the VA guarantees a portion of your loan. That means:
- If you default, the VA helps repay the lender — up to $36,000 for loans under $144,000 or up to 25% for loans over that amount.
- This guarantee gives lenders more confidence, which means better loan terms for you.
Key Features of a VA Home Loan
- No down payment required (in most cases)
- No PMI (private mortgage insurance)
- No loan limits with full entitlement
- Possible to use the benefit more than once
- No minimum credit score required by the VA
- Low interest rates compared to other loan options
- No VA funding fee for eligible disabled Veterans and surviving spouses
- Use your loan to buy, build, refinance, or upgrade a home
The VA is Making It Easier
The VA is now using faster, web-based tools to streamline the process for buyers, lenders, and servicers. These improvements are helping Veterans close faster and with more confidence.
Clearing Up Common VA Loan Myths
Myth: VA loans aren’t competitive Fact: VA loans offer great rates and no PMI, saving you money.
Myth: VA loans take too long to close Fact: In 2024, VA loans closed in just 32 days on average — faster than FHA or conventional.
Myth: Getting a COE takes forever Fact: Most lenders can get your Certificate of Eligibility (COE) in just one day.
Ready to Use Your VA Home Loan Benefit?
If you're a Veteran, active-duty service member, National Guard or Reserve member, or surviving spouse — you've earned this benefit, and we're here to help you use it.
Let Jeff Sherman guide you through the VA home loan process and help you find a home you'll be proud to own.
Fill out the form on this page or give us a call at +1 270-506-0566 to get started!