VA Loans

VA Loans — Exclusive Benefits for Veterans

Zero down payment. No PMI. Competitive rates. Earned through service — your VA benefit is one of the most powerful tools in real estate.

Aplicar Ahora

What is a VA Loan?

A VA loan is a mortgage benefit provided by the U.S. Department of Veterans Affairs to eligible veterans, active-duty service members, and surviving spouses. The VA doesn't lend money directly — instead, it guarantees a portion of the loan, allowing approved lenders like Tiger Loans to offer exceptional terms.

The most celebrated feature is 0% down payment with no private mortgage insurance (PMI) — a combination unavailable in any other loan program. This can save veterans tens of thousands of dollars compared to conventional financing.

VA loans also come with built-in protections: limits on closing costs, no prepayment penalties, and the ability to refinance easily through a VA Interest Rate Reduction Refinance Loan (IRRRL). For those who have served, this benefit can be used multiple times throughout life.

Who Is It For?

VA loans are exclusively available to those who have served our country. If you or your spouse served, this is almost always the best mortgage product available to you.

Veterans
Honorably discharged service members
Active Duty
Currently serving military personnel
National Guard / Reserve
With qualifying service period
Surviving Spouses
Of veterans who died in service

Key Benefits

Zero Down Payment

Purchase a home with absolutely no down payment required

No PMI Ever

Save hundreds per month — no private mortgage insurance required

Competitive Rates

VA loans typically offer the lowest interest rates on the market

Reusable Benefit

Use your VA benefit multiple times throughout your lifetime

VA Loan Details

Down Payment Minimum
0% (with full VA entitlement)
Credit Score Minimum
580+ (Tiger Loans lender overlay)
Loan Limit (2024)
No limit with full entitlement
Private Mortgage Insurance
Not required — ever
VA Funding Fee
1.25%–3.3% (waived for disabled veterans)
Loan Terms
15 or 30 years fixed · ARM options available
Debt-to-Income (DTI)
Up to 41% guideline (exceptions apply)
Property Types
Primary residence only
Prepayment Penalty
None

*Rates are for informational purposes only. Contact us for your personalized rate quote.

VA Loan Eligibility

Your service has earned you this benefit. Here's how to use it.

Service Requirements

  • Active duty: 90 days continuous service
  • Gulf War era veterans: 24 months service
  • Peacetime veterans: 181 days active duty
  • National Guard/Reserve: 6 years service
  • Surviving spouses (unmarried, specific criteria)
  • Certificate of Eligibility (COE) required

Loan Requirements

  • Credit score 580+ (lender overlay)
  • Sufficient residual income (VA standard)
  • Property must be primary residence
  • VA appraisal by approved appraiser required
  • No current VA loan delinquency
  • Stable, verifiable income source

Frequently Asked Questions

Ready to Use Your VA Benefit?

You've earned it. Our VA loan specialists will help you maximize every dollar of your hard-earned benefit.

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