One of the most valuable benefits available to those who have served.
VA loans are available to eligible veterans, active-duty service members, and qualifying surviving spouses. They may allow for no down payment and no private mortgage insurance — depending on eligibility and the property being financed.
What to expect
A process built to keep the next step clear.
Royal United starts by confirming VA eligibility and reviewing your goals, then moves through application, appraisal, and underwriting with one advisor keeping the process organized from start to close.
Step 1
Confirm eligibility and direction
The first step is verifying VA eligibility, reviewing your goals, and comparing loan structure options before moving into the formal application.
- 1.Review VA eligibility and obtain a Certificate of Eligibility
- 2.Discuss goals, timeline, and loan structure options
- 3.Compare loan amount, term, and funding fee scenarios
Step 2
Move through application and underwriting
Once the direction is set, the process moves through a VA-compliant appraisal and underwriting with your advisor coordinating each step.
- 1.Sign the application electronically
- 2.Complete a VA appraisal on the subject property
- 3.Provide required documents and complete underwriting
Step 3
Close with full clarity on terms
The final stage is about confirming your loan terms, the funding fee structure, and scheduling a smooth closing.
- 1.Receive final approval and confirm the closing date
- 2.Review final loan terms including funding fee structure
- 3.Sign closing documents and take possession of the home
Program benefits
What VA financing may offer.
General information only. Actual eligibility and benefits depend on your service history, credit, income, property, and the full application.
No down payment required
Eligible borrowers may purchase a home with no down payment, depending on VA entitlement and loan amount — one of the most significant benefits of this program.
No private mortgage insurance
VA loans do not require PMI, which can reduce the monthly payment compared to conventional financing with less than 20% down.
Competitive loan terms
VA loan rates and terms are often competitive — exact rates depend on your credit, loan type, and lender, and are never guaranteed.
Who this may be a fit for
VA financing may benefit eligible borrowers in these situations.
Eligibility is determined by the VA based on service history and other criteria. A loan advisor can help you confirm eligibility before moving forward.
Veterans and active-duty members
The VA loan benefit is designed specifically for those who have served in the U.S. military. Eligibility depends on service history and VA requirements.
Qualifying surviving spouses
Certain surviving spouses of service members may also be eligible for VA loan benefits. Eligibility is determined by the VA based on specific criteria.
Buyers with limited savings
The no-down-payment option may help eligible borrowers purchase sooner than programs requiring upfront cash — depending on entitlement and loan amount.
Not a guarantee of eligibility or approval. VA loan eligibility is determined by the Department of Veterans Affairs based on service requirements.
What our clients say
22,000+ five-star reviews.
"I have used them multiple times. There is no one better. They close fast, keep me informed and give me the best service"
Rob Young
"Quinton is the best, he is very helpful and responds to any concerns or questions you might have! Carol was also great! Royal United is easy to work with and I would recommend them to anyone looking for a company that goes the extra mile to help their customers!"
Joy Zoldak
"overall great experience, from beginning of process to the end"
Rudy Beverley
"Talk about Smooth Operator that be me."
It's me It's me Earnest T. (Beak)
"Very helpful and quick"
Greg Wright
"Maggie did an amazing job getting this completed for us. She was very responsive to all my questions in an extremely quick manner. I will let others know about Royal United Mortgage LLC company and how they cared from the beginning thru the closing Thank You Maggie"
Peggie Stimers Schmidt
"It was a very positive experience. They walked me through the whole thing and I felt they were truly working to get me the best deal possible."
Cindy Setters
"We had a great experience working with Barry Teague at Royal United. He was very persistent and knowledgeable which made the process go very smoothly. He kept us informed every step of the way. I would like to Thank Barry and Royal United for offering such a great service."
Debra Daniels
"I've worked with Jim Groth three times in the last five years or so. Each time i've worked with him, he's been thorough ,professional, and available for questions. He also makes very quick work of getting things done. I'm happy to recommend him to friends and family."
Linda Watkins
"Experienced and worked with you to get what you want."
Rocky Roberts
"Patrick at Royal United Mortgage made the process for us so easy. It was a pleasure working with him. Highly recommend him."
Paul Cutajar
"Jake miller from united royal keep me in the loop of everything that was happening he was very helpful and and pleasure to work with"
Elizabeth Mullins
Frequently asked questions
Common questions about VA loans.
Who qualifies for a VA loan?
VA loans are available to eligible veterans, active-duty service members, National Guard and Reserve members who meet service requirements, and qualifying surviving spouses. The VA determines eligibility based on length and character of service.
Do I need a down payment for a VA loan?
Eligible borrowers with full VA entitlement may purchase with no down payment. Borrowers with reduced entitlement or loan amounts above certain limits may be required to make a down payment. A loan advisor can review your specific entitlement situation.
What is the VA funding fee?
The VA funding fee is a one-time fee paid to the VA to help sustain the program. The amount varies based on your loan type, down payment, and whether it is your first use of the benefit. Some borrowers — such as those receiving VA disability compensation — may be exempt.
Can I use a VA loan to buy a second home or investment property?
VA loans are limited to primary residences. You must intend to occupy the property as your primary home. They may not be used for investment properties or vacation homes.
How do I get a Certificate of Eligibility?
A Certificate of Eligibility (COE) confirms your VA loan benefit. It can be obtained through the VA's eBenefits portal, by working with a VA-approved lender, or by submitting VA Form 26-1880. A loan advisor can often help you obtain your COE as part of the process.
Can I use my VA loan benefit more than once?
Yes. VA loan benefits can typically be used multiple times, provided prior VA loans are paid off or the entitlement is otherwise restored. A loan advisor can review your entitlement status and help you understand your options.
General information only. Not financial, legal, or tax advice. VA loan eligibility and terms are subject to VA requirements and lender guidelines.
Ready to explore VA loan options?
Ready to explore VA loan options with a dedicated advisor?
A Royal United loan advisor can help confirm your eligibility, review your options, and walk through the process from start to close.