Zero down payment
Buy a home without saving for years first. Eligible veterans and active-duty families can finance with no down payment required.
For veterans, active-duty service members, and military families
Discover how to buy your first home with no down payment, even with a low credit score.
You don't need perfect credit or a down payment. Just the VA benefit you've already earned.
Pick a time that works for you
Choose a day and time below for a short, no-pressure phone call with Jonathan. He'll walk you through how your VA home loan benefit works and what it can do for you.
- No cost
- No obligation
- Veteran to veteran
Why I do this
I've stood where you're standing
I'm Jonathan Vasquez. I spent 20 years in military and federal service, and I've used my own VA home loan more than once. I've sold a home, paid one off, and restored my entitlement to buy again with zero down.
Now I help service members, veterans, and military spouses do the same. I explain your benefit in plain language, show you your real options, and never push you faster than you're ready to go.
- 3x combat veteran
- Purple Heart recipient
- 20 years of military and federal service
- Has used his own VA loan multiple times
Your path from renting to owning
Four clear steps, with one person guiding you through every one of them. It all starts with a short call with Jonathan.
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Start here
Book a call with Jonathan
A short, no-pressure phone call about your homebuying goals, your timeline, and whether now is the right time to use your VA loan benefit.
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When you're ready
Start your application
Jonathan gets your application started with you, so you always know what comes next and why.
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Know your numbers
Credit review
A credit pull shows your real numbers, so your options are built on facts, not estimates. Jonathan walks you through every detail.
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Your game plan
Loan consultation
Typically within 24 to 48 hours of your credit review, a 20-minute consultation covers your options, your numbers, and your next steps. Plain language, no pressure.
Pick your time with Jonathan
No cost and no obligation. Just a conversation about your options.
The benefits you earned
Your VA loan benefit is one of the strongest paths to homeownership available. Here's what it can do for you.
No monthly mortgage insurance
VA loans never carry monthly PMI or MIP, even with zero down. FHA and most low-down-payment conventional loans charge it.
Flexible credit standards
The VA sets no minimum credit score. Lenders set their own standards, which are often more flexible than conventional loans.
Limits on what you can be charged
The VA restricts certain fees lenders can pass on to you. Sellers can also help, with concessions of up to 4% toward your costs.
No loan limit with full entitlement
With full entitlement, the VA sets no cap on how much you can borrow, as long as you qualify. Partial entitlement ties to your county's conforming loan limit.
Assumable financing
When you sell, a qualified buyer may be able to take over your VA loan and its terms. Most conventional loans can't offer that.
Find out which of these benefits you qualify for
Jonathan will walk you through your eligibility, your entitlement, and your real numbers on one short call.
Benefits are subject to VA eligibility, entitlement, credit, and lender approval. A VA funding fee may apply unless you're exempt.