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The home loan you earned.

A VA loan is one of the most powerful benefits of your service — buy with $0 down, no PMI, and a $0 origination fee from Savvy. We even front your appraisal cost, reimbursed only if your loan closes. For Veterans, active-duty service members, and eligible surviving spouses.

Check your eligibility How it works

Down payment

Origination fee

PMI, ever

VA funding fee and third-party costs may apply. Eligibility required.

A service member welcomed home by their family

Your VA loan

$0 DOWN

Sample rate

5.990%

APR

6.214%

PMI

None

Origination

Sample VA 30-yr fixed: 5.990% rate / 6.214% APR, 0.000 points, assumes a 740+ credit score, $400,000 loan, primary residence, 30-day lock. Your rate and APR will vary. A VA funding fee applies unless you are exempt and may be financed into the loan. Not a commitment to lend.

Why a VA loan

Benefits you won't find anywhere else

Backed by the U.S. Department of Veterans Affairs, VA loans are built to make homeownership more affordable for those who served.

$0 down paymentFinance up to 100% of the home's value — no down payment required for most eligible buyers.

No PMISkip private mortgage insurance entirely — even with no down payment. That keeps your monthly payment lower.

Competitive ratesVA loans are government-backed, which often means lower rates than conventional financing.

Limited closing costsThe VA caps which costs you can be charged, and a seller can pitch in toward your closing costs.

No prepayment penaltyPay extra or pay it off early whenever you want — there’s never a penalty for getting ahead.

A reusable benefitYour VA loan benefit isn’t one-and-done — it can be restored and used again on future homes.

The Savvy promise to veterans

We go further for those who served

On top of every VA benefit, here's what Savvy adds — at no cost to you.

$0 origination feeWe waive our lender origination fee on every VA loan — one less cost standing between you and your home.

We front your appraisalWe pay for your appraisal upfront, with no upfront cost to you. (If your loan closes, the appraisal cost we front is reimbursed at closing.)

A dedicated VA teamAdvisors who know VA loans cold — COE, funding fee, entitlement, the works — guiding you the whole way.

Who qualifies

Eligibility, made clear

VA home loan eligibility is based on your service, subject to VA eligibility and entitlement requirements. Most of the following may be eligible — your Savvy advisor will help you confirm and request your Certificate of Eligibility.

What's a COE?Your Certificate of Eligibility is the document that confirms to a lender that you qualify for a VA loan. Most borrowers can get one in minutes — and we'll help you request it at no cost.

VeteransWho meet the VA's minimum service requirements.

Active-duty service membersCurrently serving in any branch of the Armed Forces.

National Guard & ReservesMany members qualify based on length of service.

Surviving spousesOf service members who died in the line of duty or from a service-connected condition.

Simple, start to finish

Your VA loan in four steps

We handle the VA paperwork so you can focus on finding the right home.

STEP 01

Confirm eligibility

Answer a few quick questions. Soft credit check only — no hard pull to get started.

STEP 02

Get your COE

Your Certificate of Eligibility confirms your VA loan eligibility; final loan approval depends on lender review.

STEP 03

Get pre-approved

Your VA-savvy advisor prices your loan and prepares a pre-approval to shop with confidence.

STEP 04

Close on your home

Sign digitally and get your keys — with zero down payment options and a team that knows VA loans cold.

“

I didn’t realize how much my VA benefit could do until Savvy walked me through it. $0 down, no origination fee, and they even covered my appraisal upfront. Keys in 19 days.SSG Marcus T. · U.S. Army, Veteran · Tampa, FL

The experiences of individual clients may not be representative of the experiences of all clients. Savings are not guaranteed and will vary based on your unique situation and other factors.

Good Questions

VA loan FAQs

Yes — for most eligible borrowers, a VA loan finances up to 100% of the home's value with no down payment and no monthly mortgage insurance. Your advisor will confirm the details for your situation.

Thank you for your service

Put the benefit you earned to work.

Check your eligibility in minutes — soft credit check only, no SSN required to see your options.

Check your eligibility Explore Savvy Mortgage

Government agency non-affiliation disclosure

Savvy Mortgage is an approved VA lender. Savvy Mortgage is not affiliated with, endorsed by, sponsored by, or acting on behalf of the U.S. Department of Veterans Affairs or any other government agency. A VA funding fee applies to most VA loans unless you are exempt.