The VA loan - earned,
and worth using well
For eligible veterans and service members, the strongest tool in residential finance. GA, AL, TN, FL, NC & SC.
A VA loan is guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, service members, and certain surviving spouses. With full entitlement: no down payment, no monthly mortgage insurance. There is a one-time funding fee (financeable, waived for qualifying service-connected disabilities). Stonehaven, a mortgage brokerage, arranges VA loans and helps obtain your Certificate of Eligibility.
What makes VA genuinely different
Zero down with full entitlement, no monthly mortgage insurance, and the VA residual-income test, which checks you have money left to live on. Entitlement can be reused. Worth checking, not assuming.
The funding fee and the details, honestly
The funding fee varies with down payment and prior use, and is usually financed. Service-connected disability compensation, and certain surviving spouses, exempt. Primary residence only; VA minimum property requirements apply.
COE to closing, managed
The Certificate of Eligibility comes first - we pull it early. Then complete documentation up front and the VA appraisal ordered promptly.
Start with your eligibility
Tell us about your service and the home. A specialist replies within one business day.