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KNB Capital · Loan Programs
VA Home
Loan
Zero down, no PMI, and competitive wholesale rates for veterans, active-duty service members, and surviving spouses. One of the most powerful mortgage benefits in America.
The Basics
What Is A VA Loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs. Because the government backs the loan, lenders can offer zero down payment and no private mortgage insurance — saving eligible borrowers tens of thousands over the life of the loan.
VA loans are available for purchasing a primary residence, refinancing an existing mortgage, or doing a cash-out refinance. There’s no limit to how many times you can use your VA benefit, and your entitlement can be restored after a prior VA loan is paid off.
Serving Those Who Served
We Don’t Just Lend To Veterans — We Show Up For Them
Helping veterans use their VA benefit isn’t a product line for us — it’s personal. Our team founded and ran Operation Jump 22, a veteran charity that supported service members and their families for years. When you work with KNB Capital on your VA loan, you’re working with people who have spent real time in the veteran community.
Do You Qualify?
VA Loan Requirements
Service Eligibility
Active duty (90+ days wartime / 181+ days peacetime), veterans with honorable discharge, National Guard/Reserve (6+ years), or surviving spouses of service members.
Credit Score
Most lenders require 580–620 minimum. KNB Capital shops lenders across the spectrum to find the best fit for your credit profile.
Property Type
Must be your primary residence — single family, condo (VA-approved), or 2–4 unit property if you occupy one unit.
VA Funding Fee
A one-time fee (1.25–3.3% of loan amount) that replaces PMI. Can be rolled into the loan. Waived entirely for veterans with a service-connected disability rating.
Common Questions
What VA Borrowers Ask Us Most
Can I Use My VA Loan More Than Once?
Yes. Your VA entitlement restores after a VA loan is paid off and the property is sold, or you can use remaining/bonus entitlement to have multiple VA loans simultaneously if you meet eligibility.
Do I Really Pay Zero Down?
Yes — for loans at or below your county’s conforming limit. In Ventura County that’s $806,500. Above that limit you can still use VA financing with a down payment on the difference.
Is The VA Funding Fee Worth It Compared To FHA?
Usually yes. There’s no annual MIP with VA, so even with the upfront funding fee you typically come out ahead within 2–3 years compared to FHA mortgage insurance costs.
How Much Is The VA Loan Limit In California?
Veterans with full entitlement have no VA loan limit — with zero down you can borrow as much as a lender will approve. The county figure (currently $806,500 in Ventura County) only matters if you have reduced entitlement from another active VA loan; above that you’d put down 25% of the difference.
Are Disabled Veterans Exempt From The VA Funding Fee?
Yes. Veterans receiving compensation for a service-connected disability — and surviving spouses of veterans who died in service or from a service-connected condition — are fully exempt from the VA funding fee. If you paid it before your rating was approved, you may be owed a refund.
Can I Buy A Multi-Unit Property With A VA Loan?
Yes — a 2–4 unit property qualifies as long as you live in one of the units as your primary residence. You can rent the other units, and a portion of that rental income may even help you qualify. VA financing can’t be used for a pure investment property or second home.
How Long Does It Take To Close A VA Loan?
About the same as a conventional loan — typically 30 to 45 days. The idea that VA loans are slow is outdated. The one extra step is the VA appraisal, which we order up front so it never becomes the bottleneck.
Ready To Use Your VA Benefit?
No obligation. No hard pull. We’ll confirm your eligibility and get you a wholesale rate in minutes.