You earned the loan that asks nothing down.
You have orders and a date you cannot move. Rent took the money you would have saved.
And someone said a VA offer loses to cash.
Takes about 2 minutes. No credit check to start.
- Buy with zero down payment
- No monthly mortgage insurance, ever
- The fee is waived with a disability rating
- No loan limit on full entitlement
- Use it again and again
A VA loan does both. No other loan does.
Licensed mortgage broker · NMLS 179997
Office in Vienna, Virginia
The benefit is strong. The handling is not.
- The VA guaranteed 528,340 loans in 2025, up 26.9% in one year.
- A VA loan is not rare—it’s a standard loan that needs to be handled correctly.
- If basic allowance for housing is missed, your approval may be lower than it should be.
- Your certificate of eligibility should be pulled early to avoid delays.
- Eligible borrowers may avoid the VA funding fee, and full entitlement can mean no county loan limit.
- A 600 credit score may pass with one lender and fail with another.
- The problem is often the lender—not the VA loan.
Which one of these is you?
Almost every VA loan buyer is in one of these six spots. Find the one closest to yours.
You have a report date you cannot move
Your PCS orders set the clock. We build the file backward from that date, and nothing waits.
You have never used the benefit
You qualify after 90 days of wartime service, or 181 in peacetime. Guard and Reserve after six years. Use a VA loan again later, because your entitlement never runs out.
You hold a disability rating
Any rating of 10% or more removes the VA funding fee, which is $10,750 on a $500,000 loan. It shows on your certificate of eligibility.
You are a surviving spouse
Spouses who have not remarried qualify in set cases. The fee is waived, and the zero down payment works the same way.
You want to keep this house and buy again
Keep the first home as a rental and buy at the next base on second tier entitlement. This is the one place county VA loan limits matter, and VA loan limits are ignored entirely on full entitlement.
A lender said your score was too low
The VA sets no credit score rule. Lenders set their own, usually 580 to 620. A credit score that fails at one lender often passes next door.
One fee. Many of you pay nothing.
A VA loan has one charge, the VA funding fee. There is no monthly insurance at all, and with a zero down payment you still pay nothing each month for it.
First time, nothing down
The VA funding fee is 2.15% of the loan. On $500,000 that is $10,750, and most buyers roll it in and keep the zero down payment.
Put 5% down
The fee drops to 1.50%. Worth pricing if you have some savings.
Using it a second time
3.30% with nothing down. Still no monthly insurance.
Lowering your rate later
An IRRRL costs 0.50%. Little paperwork, often no appraisal. An IRRRL cannot take cash out, and most IRRRL files close fast.
Disability rating
You pay no VA funding fee at all. The waiver shows on your paperwork.
Then the part that adds up. There is no mortgage insurance on a VA loan, at any loan size, for the whole life of the loan.
An FHA buyer at 3.5% down pays about $229 a month for insurance that never comes off. Over ten years, no mortgage insurance beats almost any rate difference.
A bank has one answer. We have several.
The VA writes the VA loan rules. Each lender then adds rules of its own on top, and those extra rules are where a yes turns into a no.
We send your file to several lenders and place it where their rules suit you.
We request your certificate on day one
Your certificate of eligibility is the item asked for late most often, and late costs you a week.
We call the listing agent for you
Sellers still repeat an old story about VA appraisals. A call from your lender wins more offers than any rate.
We check your housing allowance
Basic allowance for housing is untaxed and grossed up by lenders—some at 25%, others at 15%, creating a major difference in buying power.
We work back from your report date
Send your PCS orders at the start. We plan around your PCS orders, not around our own queue.
SAI Mortgage, Inc.
Is committed to helping you find the right mortgage product for your needs, whether you’re exploring a home mortgage loan, considering a home mortgage loan in Virginia, or comparing other financing options. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements, ensuring you receive guidance that fits your unique financial goals.
Three steps. That is it.
Most people are pre-approved within two days.
Tell us how you get paid
A short call, in your language if you like. No credit check yet.
We shop it for you
We check many lenders and send you what you qualify for, in writing.
You get the keys
We handle the rest and close on the date you need.
Licensed in Virginia, DC and Maryland.
From our office in Vienna, we serve buyers across the Commonwealth — and your file follows you if you move across state lines.
Northern Virginia
I-95 Corridor
Hampton Roads
Central & Western Virginia
What people ask us first.
The questions that come up on almost every call.
Can I use it more than once?
Yes. It comes back in full when you sell and repay. You can also keep the first home as a rental and buy again.
Do I pay the fee in cash?
No. Most buyers roll the VA funding fee into the loan. A disability rating removes it, and the waiver shows on your certificate of eligibility.
What credit score do I need?
The VA sets no rule at all. Lenders want a credit score of 580 to 620, and some go lower.
Can I buy a rental?
Not on its own. A VA loan is for the home you live in. You can buy a two to four unit building and live in one unit.
What does the appraiser check?
Value, plus safe water, working heat, a sound roof, no bare wiring and no peeling paint on older homes. Normal resale homes rarely fail.
Send your orders. We do the rest.
We come back with a pre approval and a closing date, not a range.
Most of our VA loan files come from the Belvoir, Pentagon, Quantico and Fort Meade areas.
If you searched for a VA loan near me because a call center would not commit to your date, that is the problem we solve.