VA Loans
Veterans Administration Home Loans
VA Home Loans: 100% Financing for Eligible Veterans
At AAA Capital Funding, we proudly support our nation’s heroes by offering specialized VA home loans designed exclusively for eligible U.S. military veterans, active-duty service members, and qualifying spouses. This section will walk you through the benefits, requirements, and process of securing a VA mortgage—one of the most powerful home loan options available today.
What Is a VA Loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA). This government-backed program is specifically designed to help veterans and military members become homeowners with no down payment, no monthly mortgage insurance, and competitive interest rates.
For eligible borrowers, a VA loan can make homeownership significantly more affordable and accessible, especially compared to traditional loan options.
VA Loan Highlights
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Up to 100% financing – no down payment required
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No monthly mortgage insurance (PMI)
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Low, fixed interest rates
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Flexible credit and income guidelines
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Loan is assumable (buyer can take over your loan)
VA Loan Eligibility & Requirements
Credit Score
To qualify for a VA loan, the minimum credit score requirement is typically 550. We review credit reports from Equifax, Experian, and TransUnion. Among the three scores, the middle score is used to determine your loan eligibility.
Property Types Allowed
VA loans can be used to purchase a variety of property types, including:
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Single-family homes
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Townhomes and villas
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Condominiums (must be VA-approved)
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Multi-unit properties (duplex, triplex, quadplex)
For multi-unit homes, you may live in one unit and use the rental income from the other units to help you qualify for the loan.
Income and Asset Verification
As part of the approval process, your income and assets must be verified. The documentation required depends on your employment status:
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W-2 wage earners: Provide the past two years of W-2 forms and a recent pay stub.
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Self-employed borrowers: Submit your two most recent years of personal and business tax returns.
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Retirees: Provide proof of retirement income such as Social Security, pensions, or annuities.
Assets and Gift Funds
We will also review your bank statements to verify that you have the funds needed for closing costs. Gift funds are allowed, as long as they come from a verifiable and acceptable source. (Note: Cash deposits or unverifiable funds cannot be used.)
Why Choose a VA Loan?
A VA mortgage loan is one of the most affordable and flexible home financing options available—but it’s only available to those who have served our country. With zero down payment, no PMI, and favorable terms, VA loans offer unmatched benefits to those who qualify.
At AAA Capital Funding, we are honored to serve our veterans and active-duty service members by helping them achieve the dream of homeownership. From application to closing, we’ll walk you through the process and ensure you maximize the benefits of your VA loan eligibility.
VA Quick Facts
| Minimum Credit Score | 550 |
| Maximum Debt Ratio | 57% |
| Minimum Down Payment | 0% |
| Pre-Payment Penalty | No |
| Closing Cost Assistance | Yes |
Contact Us
Local: 954-390-7994
Toll Free: 1-888-601-8344
Text: WhatsApp
Learn Tips About Buying a Home
Join Our Upcoming Homebuyer Workshops — Learn the Process, Buy with Confidence
Want to feel confident about buying a home? Our upcoming homebuyer workshops cover everything you need to know — from getting pre-approved to closing day. We walk you through each step of the process so you know what to expect and how to prepare.
An informed buyer is a powerful buyer — and that knowledge can help you secure better rates, better programs, and a smoother experience overall.
What our clients say about their experience.
Don’t take our word for it. Read what our customers have to say about AAA Capital Funding
We are very grateful to Jason and the AAA CAPITAL FUNDING to made it possible.With all their efforts and hard work we are enjoying our house now.Godless to all of them!!!and the next time we are planning to buy another house we are definitely consider them again.
AAA CAPITAL FUNDING IS THE BEST COMPANY YOU CAN TRUST!!!
Thank you so much, Jason, for making our dream home a reality!
Great experience, never gave up.
I recommend Jason to everyone looking for their dream home!
Jason Thank you so much for all of your help! Thank you for going the extra mile for us on every step of our New Home
Thank you for all of the hard work you’ve done( I’m in tears now just thinking how long we have come) We are endlessly grateful to have you as our agent and couldn’t be happier with the way everything worked out.We appreciated your patience and expertise. Your insight was extremely valuable to us and I don’t think we could have done this without you. we are so thankful and Grateful for your assistance, patience and expertise.Everytime we feel giving up He will always said Today Not the Day to Give up
We greatly appreciate your dedication It’s been fantastic Working with
You Are The best Jason I thank you from the Bottom of my Heart
If you have friends or family who need help buying a home in the future I highly recommend cause This guy is a Genius
My overall experience of the home buying process was straightforward and easy. Going into this knowing nothing, I did not know what to expect, but Jason and my realtor guided me and explained things throughout the process. Jason was always responsive and really easy to communicate with, so I was always learning and aware of what is happening in real-time and what to expect next. I was preapproved in early August and found a house I liked in late August. My offer was accepted, and from there Jason was on point with getting things done. I was able to close at the end of September and can now say I am a homeowner! I have read/heard about negative experiences and how stressful buying a home can be, so I am genuinely grateful for how smooth my home buying experience with AAA Capital was. Thank you again Jason and team.
