--- title: "VA Home Loans — 0% Down for Veterans | Nate Moghadam, NMLS #906770" description: "$0 down, no PMI, competitive rates for veterans & active-duty military. Nate Moghadam (NMLS #906770) is VA-experienced in 14 states." image: https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/raw_assets/public/nateloans/images/og-image.png --- [NateLoans](https://nateloans.com/?hsLang=en) [About](https://nateloans.com/#about) [Loan Types](https://nateloans.com/#loans) [Calculators](https://nateloans.com/#tools) [How It Works](https://nateloans.com/#process) [Reviews](https://nateloans.com/#reviews) [Blog](https://nateloans.com/blog?hsLang=en) [Contact](https://nateloans.com/#contact) [(617) 945-3632](tel:6179453632) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Home](https://nateloans.com/?hsLang=en) [Loan Types](https://nateloans.com/#loans) VA Loans Nate Moghadam  ·  NMLS #906770  ·  Fairway Independent Mortgage # VA Loans $0 Down. No PMI. You've Earned It. VA loans are an exclusive benefit for veterans, active-duty service members, and surviving spouses. Zero down payment, no private mortgage insurance, and some of the most competitive rates available anywhere. If you've served, you deserve this benefit. [Start Your Pre-Approval](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Ask Nate a Question](https://calendly.com/natemoghadam/homebuyer-consultation) Available in 14 States 10+ Years Experience 5-Star Rated VA Loans ## What Is a VA Loan? A VA loan is a mortgage benefit provided by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, National Guard members, reservists, and surviving spouses. The VA guarantees a portion of the loan, allowing lenders to offer better terms than most borrowers could get elsewhere. The headline benefits are hard to beat: **no down payment required**, **no private mortgage insurance**, and **competitively low interest rates**. These three features alone can save a veteran tens of thousands of dollars over the life of a loan compared to conventional financing. Nate has helped many veterans use their VA benefits for the first time — and he's seen firsthand how much of a difference it makes. If you've served, this benefit is yours. Let's make sure you use it right. **$0**Down Payment **No PMI**Ever **14**States Available **COE**Required ### Ready to Use Your VA Benefit? Nate is VA-experienced and will walk you through every step — from COE to closing. [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) [Start Pre-Approval](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) --- [(617) 945-3632](tel:6179453632) [nate@nateloans.com](mailto:nate@nateloans.com) --- Nate Moghadam · NMLS #906770 Fairway Independent Mortgage Corp · NMLS #2289 Equal Housing Lender The Details ## VA Loan Requirements & Benefits ### Basic Requirements - **Eligibility:** Veterans, active-duty, National Guard/Reserve (with qualifying service), surviving spouses - **Certificate of Eligibility (COE):** Required; Nate can help you obtain it - **Credit score:** No official VA minimum; most lenders require 580–620+ - **Down payment:** $0 required (for full entitlement) - **Property type:** Primary residence only - **VA funding fee:** One-time fee (waived for service-connected disabilities) ### Why VA Loans Are So Powerful - **Zero down payment:** Buy a home with no money down — a benefit unmatched by any other program - **No PMI — ever:** Unlike conventional and FHA, VA loans never require mortgage insurance - **Competitive rates:** VA-backed loans typically carry lower rates than conventional loans - **No loan limits:** With full entitlement, there's no cap on the loan amount - **VA IRRRL:** Streamline refinance option to lower your rate with minimal paperwork - **Reusable benefit:** Your VA entitlement can be used multiple times ### Who Is a VA Loan Best For? - Veterans and active-duty service members purchasing a primary residence - Eligible borrowers who want to buy with zero down payment - Buyers who want to eliminate PMI and lower their monthly payment - Veterans refinancing an existing VA loan (VA IRRRL) - Surviving spouses of veterans who meet VA eligibility requirements ### How Nate Helps - Helps you obtain your Certificate of Eligibility (COE) - Explains the VA funding fee and any exemptions that apply to you - Finds you the best VA rate available for your situation - Issues a strong VA pre-approval letter that sellers respect - Direct access — call or text Nate, no call centers VA Loan Coverage ## Available in All 14 of Nate's States CACalifornia COColorado FLFlorida MEMaine MDMaryland MAMassachusetts NHNew Hampshire NJNew Jersey NCNorth Carolina PAPennsylvania RIRhode Island TNTennessee TXTexas VAVirginia Common Questions ## VA Loan FAQs Everything you need to know about using your VA home loan benefit. Who is eligible for a VA loan? VA loans are available to: **veterans** with honorable discharge, **active-duty service members** (after 90 continuous days of service), **National Guard and Reserve members** (typically after 6 years of service or 90 days of active duty under Title 10), and **surviving spouses** of veterans who died in service or from a service-connected disability. Nate can help you confirm your eligibility quickly. What is a Certificate of Eligibility (COE) and how do I get one? A COE is the document that proves to your lender that you're eligible for a VA loan. You can get one through the [VA's eBenefits portal](https://www.va.gov/housing-assistance/home-loans/how-to-apply/), through your lender (Nate can often pull it automatically), or by mail using VA Form 26-1880. Most lenders can obtain your COE electronically in minutes once you start your application. What is the VA funding fee and do I have to pay it? The VA funding fee is a one-time fee paid to the VA to help sustain the loan program. For first-time use with 0% down, it's typically **2.15%** of the loan amount (lower with a down payment). It can be rolled into the loan. **The funding fee is waived entirely** for veterans receiving VA disability compensation or surviving spouses of veterans who died in service. Ask Nate if you qualify for a waiver. Can I use my VA loan benefit more than once? Yes — your VA entitlement is reusable. Once you pay off a VA loan (or sell the property), your entitlement is typically restored and you can use it again. You can even have **two VA loans at the same time** if you have enough remaining entitlement. Nate can review your entitlement status and explain what's available to you. Is a VA loan always the best option for a veteran? In most cases, yes — especially if you're putting less than 20% down. The combination of no down payment and no PMI is extremely powerful. However, for veterans with strong credit and a large down payment, conventional loans occasionally offer competitive rates worth comparing. Nate will run both scenarios side-by-side so you can make an informed decision. How do I get started with a VA loan through Nate? [Start your application online](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) and Nate will pull your COE and get you a VA pre-approval fast. Or [book a free 15-minute call](https://calendly.com/natemoghadam/homebuyer-consultation) first to confirm your eligibility and talk through your options. Either way, there's no obligation. ## Ready to use your VA loan benefit? Talk to Nate directly — no forms, no call centers, no runaround. [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) ### Book a Free Call Pick a time that works for you. It only takes a minute. 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