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.

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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.

$0Down Payment
No PMIEver
14States Available
COERequired

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 Start Pre-Approval
(617) 945-3632 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.

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.
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, 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.
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.
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.
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.
Start your application online and Nate will pull your COE and get you a VA pre-approval fast. Or book a free 15-minute call 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 Get Pre-Approved