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.
VA funding fee and third-party costs may apply. Eligibility required.
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 payment
Finance up to 100% of the home's value — no down payment required for most eligible buyers.
No PMI
Skip private mortgage insurance entirely — even with no down payment. That keeps your monthly payment lower.
Competitive rates
VA loans are government-backed, which often means lower rates than conventional financing.
Limited closing costs
The VA caps which costs you can be charged, and a seller can pitch in toward your closing costs.
No prepayment penalty
Pay extra or pay it off early whenever you want — there's never a penalty for getting ahead.
A reusable benefit
Your VA loan benefit isn't one-and-done — it can be restored and used again on future homes, subject to VA eligibility and entitlement requirements.
We go further for those who served
On top of every VA benefit, here's what Savvy adds — with no upfront cost to you. (If your loan closes, the appraisal cost we front is reimbursed at closing.)$0 origination fee
We waive our lender origination fee on every VA loan — one less cost standing between you and your home.
We front your appraisal
We pay for your appraisal upfront, on your behalf. You only reimburse us if your loan closes — so it costs nothing out of pocket to get started.
A dedicated VA team
Advisors who know VA loans cold — COE, funding fee, entitlement, the works — guiding you the whole way.
Eligibility, made clear
VA home loan eligibility is based on your service. Most of the following may be eligible — your Savvy advisor will help you confirm and request your Certificate of Eligibility.
Veterans
Who meet the VA's minimum service requirements.
Active-duty service members
Currently serving in any branch of the Armed Forces.
National Guard & Reserves
Many members qualify based on length of service.
Surviving spouses
Of service members who died in the line of duty or from a service-connected condition.
Your VA loan in four steps
We handle the VA paperwork so you can focus on finding the right home.Confirm eligibility
Answer a few quick questions. Soft credit check only — no hard pull to get started.
Get your COE
We help you request your Certificate of Eligibility — usually in minutes, at no cost.
Get pre-approved
Your VA-savvy advisor prices your loan and prepares a pre-approval to shop with confidence.
Close on your home
Sign digitally and get your keys — with $0 down, $0 origination, 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.
Put the benefit you earned to work.
Check your eligibility in minutes — soft credit check only, no SSN required to see your options.
VA loan FAQs
Government agency non-affiliation disclosure
Important rate & fee disclosures
- VA loan benefits ($0 down payment, no monthly PMI) are available to eligible Veterans, active-duty service members, and eligible surviving spouses who meet VA and lender requirements. Sample pricing shown reflects a VA 30-year fixed at 5.990% rate / 6.214% APR, 0.000 discount points, assuming a 740+ credit score, $400,000 loan, primary residence, and 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; third-party costs may apply. Not a commitment to lend.
- Savvy waives its lender origination fee on VA loans. Other lender fees, third-party fees (appraisal, title, recording), prepaid items, and the VA funding fee (unless exempt) may apply and will be itemized on your Loan Estimate.
- Savvy pays your appraisal cost upfront on your behalf; you reimburse Savvy at closing only if your loan closes.