VA Loan | Adam Terasinski

VA Loan

0% down and no monthly mortgage insurance for eligible Veterans and service members.

Why the VA Loan Is So Strong

VA loans are backed by the U.S. Department of Veterans Affairs and are one of the most powerful mortgage benefits available to eligible Veterans, active-duty service members, and certain surviving spouses.

The combination of 0% down, no monthly mortgage insurance, and competitive rates can put your monthly payment in a completely different league compared to other loan types.

Who May Qualify for VA

  • Veterans with sufficient qualifying service
  • Active-duty service members
  • Eligible National Guard and Reserve members
  • Certain surviving spouses, under VA rules
Local impact In and around Lincoln and the broader Nebraska market, VA buyers can often compete strongly with conventional offers while bringing far less cash to the table.

Key Benefits of a VA Loan

  • 0% down payment for many eligible borrowers, subject to entitlement and purchase price
  • No monthly mortgage insurance, which can significantly lower the total payment
  • Competitive interest rates versus many other loan programs
  • Flexible guidelines on credit and debt-to-income when the rest of the file is strong
  • Refinance options, including streamlined IRRRL for existing VA borrowers

Important Details to Understand

  • A VA funding fee usually applies, but it can be financed into the loan and may be waived for some borrowers with VA disability benefits
  • The home must be your primary residence — no second homes or pure investments
  • VA has minimum property requirements focused on safety, soundness, and livability
  • Entitlement limits and prior VA usage can affect how much you can borrow with 0% down
Check Your VA Eligibility
We’ll confirm your VA entitlement, pull your COE, and show you how a VA loan stacks up against other options for the specific homes you’re actually looking at.
Do I have to put money down with a VA loan?

Not necessarily. Many VA buyers qualify for 0% down payment. You can still choose to put money down if it improves your payment or strategy, but it’s not always required.

Can I use my VA benefit more than once?

In many cases, yes. Your VA entitlement can often be restored or reused after a sale or payoff, and partial entitlement can sometimes be used while another VA loan is still in place. It depends on your prior usage and current scenario.

Are VA loans harder for sellers to accept?

When structured correctly, VA offers can be just as strong as conventional. We’ll help you and your real estate agent present the offer clearly so the listing side understands the strength of your financing and the type of appraisal and timelines involved.

*VA loans are available only to eligible borrowers as defined by the U.S. Department of Veterans Affairs. Eligibility, loan amount, and approval are subject to VA and investor guidelines, plus full review of credit, income, assets, and property. This information is general in nature and is not a commitment to lend or an offer of credit.*