VA loans continue to help veterans and service members buy homes with no down payment and flexible terms. These programs stand out when rates remain elevated and inventory stays tight. Discover how the features of VA financing can support your next move.
Holden Kellerhals, Lending Strategist
NEXA Lending
Phone: (727) 591-5591
Email: [email protected]
NMLS# 2646551
Company NMLS# 1660690
Licensed in: FL, IA
Calculations based on 30-year fixed mortgage. PMI applies when down payment is less than 20%. Bank Statement loans are considered Non-Qualified Mortgage (Non-QM) products. Qualification is based on the review of personal or business bank statements rather than tax returns. Interest rates and down payment requirements for these products may be higher than those of conventional government-backed mortgages (such as FHA, VA, or Fannie Mae/Freddie Mac loans). Not all applicants will qualify. Annual Percentage Rate (APR) is subject to increase after consummation. Advertised terms are based on a loan amounts with a 760 FICO, Loan-to-Value, and 30-year fixed/ARM rate. Monthly payments includes principal and interest only; actual payment will be higher with taxes and insurance and HOA. This is not an offer to enter into an agreement. This is not a commitment to make a loan. Not all customers will qualify. Information, rates and programs are subject to change without prior notice. All products are subject to credit and property approval. All approvals are subject to underwriting guidelines. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply. VA loans subject to individual VA Entitlement amounts and eligibility, qualifying factors such as income and credit standards, and property limits. NEXA Mortgage, LLC is not affiliated with any government agencies. These materials are not from VA, HUD or FHA, and were not approved by VA, HUD or FHA, or any other government agency. Copyright © 2025 NEXA Mortgage, LLC NMLS#1660690. AZMB#0944059. 5559 S Sossaman Rd, Bldg #1 Ste #101, Mesa, AZ 85212, 602-344-9333. NEXA Mortgage, LLC is an Equal Housing Lender. All rights reserved.
VA Loans Deliver Strong Benefits for Eligible Buyers
July 14, 2026
VA loans give military families a practical path to homeownership. They remove the need for a down payment and offer competitive terms that fit many budgets. Borrowers often find these loans easier to qualify for than conventional options. The program continues to support those who have served.
These loans come with no private mortgage insurance requirement. That feature alone can lower monthly costs compared with other financing types. Lenders also allow assumable loans, which can help when selling later. The guidelines focus on the borrower's service record rather than strict credit thresholds alone.
In the current environment, VA loans provide flexibility around closing costs and rate buydowns. Veterans can use their entitlement more than once in many cases. This reuse option supports repeat buyers who want to move up or relocate. The process works well for both purchase and refinance transactions.
Buyers gain access to homes they might otherwise overlook due to down payment hurdles. Sellers often welcome VA offers because the financing is reliable and backed by the government. Families can focus on finding the right property instead of saving for a large initial payment. This advantage holds steady even when market conditions shift.
VA loans remain a reliable tool for those who qualify. They address common barriers that keep service members from entering the market.