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For many eligible VA borrowers, purchasing without a traditional down payment is possible. It still depends on entitlement, the purchase price, the property, and underwriting, so it's worth reviewing your specific situation before you assume either way.

In many cases, yes. VA home loan eligibility may be used more than once depending on your entitlement and how much of it is currently in use. Eileen can help you look at what may be available to you.

Entitlement is the portion of the VA benefit available to back your loan. How much you have available can affect your financing structure, so it's one of the first things worth reviewing.

The VA funding fee is a one-time fee associated with most VA loans that helps sustain the program. The amount varies based on factors like your service, down payment, and whether you've used the benefit before. Some borrowers may be exempt.

VA loans generally do not require monthly private mortgage insurance, which is one reason the payment structure can look different from other programs.

In many transactions, seller concessions and credits are possible. What's allowed depends on the program guidelines and what's negotiated in the purchase agreement.

There isn't one universal number. VA financing may allow additional flexibility compared with certain conventional programs, and guidelines vary by lender. Rather than guessing, Eileen can look at where you are today.

VA financing is intended for primary residences. Some buyers do use it for multi-unit properties they live in. If investment property is your goal, Eileen can walk through the options that may fit.

Sometimes. Condo projects generally need to meet VA requirements, so the specific building matters. It's a good idea to check before writing an offer.

In addition to value, the VA appraisal considers certain property condition and safety requirements. Eileen can help set expectations so surprises are less likely.

Active-duty service members may be eligible once service requirements are met. Eileen can help you review where you stand.

National Guard and Reserve members may be eligible depending on their service history and eligibility requirements.

Your Certificate of Eligibility, often called a COE, helps establish your eligibility for the VA home loan benefit. If you don't have yours yet, Eileen can help guide you through the next steps.

Eileen works with homebuyers throughout the United States, so buying in another state is a common conversation — especially for PCS moves and long-distance purchases.

If you need one, Eileen can help connect you with trusted real estate professionals in markets throughout the United States.