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

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