VA Loans
Zero down for eligible veterans and service members.
5 senior bankers · 47 statesSee how VA fits your actual scenario.
Guidelines are useful. A senior banker can show you where the flexibility is, what the tradeoffs cost, and what needs to be true for the loan to close.
What is a VA loan?
VA loans offer eligible veterans, active-duty service members, and surviving spouses zero-down financing with no monthly mortgage insurance and competitive rates.
Earned through service, the VA benefit is the strongest financing in the market: no down payment, no monthly mortgage insurance, and competitive rates — and it can be used more than once. We handle the VA-specific steps, starting with your Certificate of Eligibility.
Where we do VA loans
The team is licensed in 47 states, so wherever you're buying, the odds are good we can help. Every option is backed by in-house underwriting and fast closes.
The Chad Baker Team helps buyers and investors structure VA financing with in-house underwriting and fast closes. Whether it's your first home or your next rental, we'll map the numbers with you before you commit.
What you’ll typically need
- Eligible service history — veterans, active duty, National Guard/Reserves, and some surviving spouses
- A Certificate of Eligibility (COE) — we can obtain it for you
- The home must be your primary residence
- A one-time VA funding fee usually applies — it can be financed, and some disabled veterans are exempt
Every scenario is different — these are typical guidelines, not a commitment to lend. The fastest way to know where you stand is a quick conversation.
Why a VA loan?
$0 down
Buy with no down payment and keep your savings intact — the core of the VA benefit.
No monthly mortgage insurance
Unlike FHA and low-down conventional loans, VA loans carry no monthly MI — real monthly savings.
A benefit you can reuse
VA entitlement can be restored and used again — for your next home, or in some cases more than one loan at a time.
VA loans, start to finish
Confirm eligibility
We can pull your Certificate of Eligibility (COE) for you — usually a same-day step.
Get pre-approved
We verify income and credit and issue a letter sellers and listing agents take seriously.
Offer & appraise
The home gets a VA appraisal; we keep the file moving and every deadline met.
Close with $0 down
Sign and get the keys — with no monthly mortgage insurance on the payment.
VA loan questions, answered
Who's eligible for a VA loan?
Veterans, active-duty service members, many National Guard and Reserve members, and some surviving spouses. Eligibility comes down to your service record — we can check it with you in minutes.
Can I use my VA benefit more than once?
Yes. Entitlement can be restored when you sell and pay off the loan, and in some cases you can have more than one VA loan at a time. We'll map out what your remaining entitlement supports.
Do sellers accept VA offers?
Yes — especially with a strong lender behind them. The old myths about slow VA closings don't hold with a team that knows the process; our average close is 18 days.
What's the VA funding fee?
A one-time fee charged by the VA that varies with your down payment and whether you've used the benefit before. It can be rolled into the loan, and veterans with service-connected disabilities are often exempt.
Built on referrals
A 4.94★ average across 333 verified reviews on Experience.com, Zillow, and Google. A sample below.
The team went above and beyond from start to finish. It really was amazing!
Sweetwater, TN
Chad was kind, professional, and kept the transaction running smoothly.
Knoxville, TN
Great communication, responsiveness, and customer service from Chad and his entire team.
Verified Client
VA location guidance
Program availability and terms can vary by property and state. Tell us where you’re buying and we’ll confirm the current fit.
As a user of this system, you agree to all Scout Terms & Conditions and Home & Mortgage Conditions.
Let’s structure your VA loan.
Share the property, the income story, or the part you are unsure about. We’ll give you a clear next step.
Prefer to talk now? Call or text Chad: 858-353-8331.