VA Home Loans for those who served
You earned one of the most powerful home-loan benefits in the country. At Grizzly Capital, VA loans are what we do best — and we'll make sure you get everything you've earned.
Benefits you've earned
VA loans are backed by the U.S. Department of Veterans Affairs, which is why they come with advantages no other loan can match.
$0 Down Payment
Eligible Veterans with full entitlement can finance up to 100% of the home's value — no down payment required.
No Monthly Mortgage Insurance
Unlike most low-down-payment loans, VA loans never charge monthly PMI — saving you money every single month.
Competitive Rates
Backed by the VA, these loans typically offer some of the lowest interest rates available.
A Reusable Benefit
Your VA loan benefit isn't one-and-done — it can be used again for future home purchases.
Limited Closing Costs
The VA limits which closing costs you can be charged, and a seller is allowed to cover many of them.
No Prepayment Penalty
Pay extra or pay off your loan early whenever you want — there's never a penalty for doing so.
Are you eligible?
VA loan eligibility is based on your service history. Exact requirements depend on when and how long you served, but in general, these groups may qualify:
- Veterans who meet service-length requirements
- Active-duty service members (typically after 90+ continuous days)
- Many National Guard and Reserve members
- Some surviving spouses of service members
Not sure where you stand? That's exactly what we're here for — we'll review your service and confirm your eligibility, free of charge.
A few things to know
- The home must be your primary residence(VA loans aren't for investment properties).
- The property must pass a VA appraisal and meet basic condition standards.
- Lenders still review your credit and income — but VA guidelines are often more flexible.
- You'll need a Certificate of Eligibility (more on that below).
Find out if you're likely eligible
Answer a few quick questions — no account, no credit check, no personal info required.
Which best describes you?
What's a COE — and how do I get one?
The Certificate of Eligibility (COE)is the document that proves to your lender that you qualify for a VA loan based on your service. You don't have to figure it out alone — here are the common ways to get it:
Let us request it for you
In most cases we can pull your COE electronically in minutes through the VA's system. This is the easiest route — and it's part of our service.
Online through VA.gov
You can request your own COE through your VA.gov account under the home-loan benefits section.
By mail
You can submit VA Form 26-1880 by mail along with proof of service (such as your DD-214 for Veterans, or a statement of service if active duty).
Understanding the funding fee
The VA funding fee is a one-time fee paid to the Department of Veterans Affairs. It helps keep the VA loan program running for future generations of service members — so the benefit stays strong without costing taxpayers.
It's a percentage of the loan
The fee is typically a small percentage of your loan amount — generally somewhere between about 1.25% and 3.3%, depending on your down payment, your type of service, and whether it's your first time using the benefit.
It can be rolled in
You usually don't have to pay it out of pocket — the funding fee can be financed into your loan amount.
Many are exempt
Veterans receiving VA disability compensation, certain surviving spouses, and some Purple Heart recipients are often exempt from the funding fee entirely.
More down = lower fee
Making even a small down payment can reduce your funding fee percentage.
Ready to build your solid future?
Start your application in minutes or talk to a real person who'll guide you through every step. No pressure — just straight answers.