VA Loans | $0 Down, No PMI for Veterans | Luminate Bank
VA loans with zero down payment, no mortgage insurance, and competitive rates. Serving veterans and military families. Get pre-approved with Luminate Bank.
VA Loans
Benefits of VA Financing
VA Loan Eligibility
VA Mortgage Calculator
VA Funding Fee Exemptions
VA Loan FAQ
Free First-Time Homebuyer Guide
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Thank You For Your Service
Zero down payment, no mortgage insurance, and competitive rates for those who have served our country.
VA loans are one of the most powerful mortgage benefits available, offering significant savings and flexibility for eligible service members and veterans.
Active-Duty Service Members
90 consecutive days of active service during wartime or 181 days during peacetime.
Veterans
Generally 24 months of continuous active duty, or the full period for which you were called.
National Guard / Reserve
6 years of service in the Selected Reserve, or 90 days of active service since 9/11.
Surviving Spouses
Unremarried spouses of service members who died in service or from service-connected disabilities.
Need your COE? We can help you obtain your Certificate of Eligibility directly from the VA. Contact us for assistance.
See what your monthly payment could look like with a VA loan. No mortgage insurance, $0 down payment, just the VA funding fee.
VA Funding Fee
You may be exempt from the VA funding fee if any of the following apply to you:
Receiving VA compensation for a service-connected disability
Entitled to receive compensation but receiving retirement or active-duty pay instead
The surviving spouse of a veteran who died in service or from a service-connected disability
A service member with a proposed or memorandum rating before the loan closing date
An active-duty service member who has received the Purple Heart
Veterans with a service-connected disability rating may be exempt from the funding fee. Click EXEMPT if this applies to you.
Estimated Monthly Payment
$ /mo
Get our exclusive step-by-step guide to buying your first home. No spam, ever — just expert advice from Kim Renquest.
Check your inbox for your free First-Time Homebuyer Guide. We'll follow up personally if you need anything else.
Let Kim help you make the most of your VA benefit. You've earned it — now let's put it to work for your homeownership goals.
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