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KNB Capital · Loan Programs
VA Home
Loan
You served. You've earned it. Zero down payment, no PMI, and competitive wholesale rates — exclusive to veterans and active-duty military.
Get My Free Quote Start ApplicationThe Basics
What Is A VA Home Loan?
A VA Home Loan is a mortgage benefit earned through military service. Backed by the U.S. Department of Veterans Affairs, it allows eligible veterans and active-duty personnel to purchase or refinance a home with no down payment, no private mortgage insurance (PMI), and competitive interest rates that are often lower than conventional loans.
At KNB Capital, we specialize in maximizing your VA benefit — from first-time use to entitlement restoration and jumbo VA options. We understand the unique circumstances of military life and make the process smooth from start to close.
Why It's The Best Loan In The Market
VA Loan Benefits
Zero Down Payment
Eligible veterans can purchase a home with no down payment — 100% financing with no need to save tens of thousands upfront.
No PMI Ever
Unlike conventional and FHA loans, VA loans never require private mortgage insurance — saving you hundreds per month.
Lower Interest Rates
VA loans typically carry rates below conventional mortgages. As your wholesale broker, KNB Capital shops 100+ lenders to find the lowest available.
Flexible & Reusable
Your VA benefit is a lifetime entitlement. Use it to purchase, refinance, or even restore your eligibility after a previous VA loan is paid off.
Common Questions
What You Need To Know
Who Is Eligible For A VA Loan?
Active-duty service members, veterans, National Guard members, reservists, and surviving spouses may qualify. Eligibility is based on length and type of service. We'll pull your Certificate of Eligibility (COE) for you — no hassle.
Is There A VA Funding Fee?
Yes — most VA borrowers pay a one-time VA funding fee, which can be rolled into the loan so there's nothing out of pocket at closing. The fee varies based on your down payment and whether it's your first use of the benefit. However, veterans currently receiving VA compensation for a service-connected disability — rated 10% or higher — are completely exempt from the funding fee, saving thousands at closing. Purple Heart recipients and surviving spouses receiving DIC are also exempt.
Can I Use My VA Benefit More Than Once?
Absolutely. Your VA benefit is reusable for life. Once your existing VA loan is paid off or sold, your entitlement is restored and you can use it again. We can also help with entitlement restoration if needed.
Can I Refinance With A VA Loan?
Yes. The VA Interest Rate Reduction Refinance Loan (IRRRL) — also called a VA Streamline — lets you refinance an existing VA loan quickly with minimal documentation when rates drop.
You Earned This Benefit.
Let's Use It.
No obligation. No hard pull. Get your wholesale VA quote in minutes.