Loan program
VA Home Loan
$0 down, no PMI, lifetime entitlement — the loan benefit veterans earned.
VA loans, backed by the Department of Veterans Affairs, are one of the most powerful loan benefits available — and we are proud to help service members use them.
The VA Home Loan is one of the most generous mortgage programs ever created. Service members and veterans who served our country earned it — and we treat every VA borrower with that respect.
Zero down. No PMI. Competitive rates. Flexible underwriting. Lifetime, reusable entitlement. There is simply no better deal in mortgage finance for an eligible borrower.
Evergreen Ridge Financial Group waives most lender fees for VA borrowers and prioritizes VA loan files for fast closing. Our team includes veterans and we understand the PCS timelines, BAH income calculations, and disability income considerations that other lenders fumble.
What it gives you
$0 Down Payment
Most VA loans require zero money down — keep your savings for moving and emergencies.
No PMI
No private mortgage insurance, ever. A massive monthly savings vs FHA or low-down conventional.
Competitive Rates
VA rates are typically lower than conventional — the VA backing lets lenders price aggressively.
Reusable
You can use your VA entitlement multiple times throughout your life.
How it runs, start to finish
- 1
Get Your COE
We help pull your Certificate of Eligibility from the VA — usually instant.
- 2
Pre-Approval
Same-day pre-approval letter to make offers.
- 3
VA Appraisal
A VA-assigned appraiser confirms the property meets MPRs.
- 4
Close
Most VA closings run 21–30 days. We waive lender fees for veterans.
Questions people ask about this one
What is the VA funding fee?
A one-time fee (1.25%–3.3% depending on down payment and prior use) that helps fund the VA program. It can be financed into the loan.
Can I get a VA loan with bad credit?
VA has no official minimum credit score. Most lenders look for 620+; we can sometimes work with 580.
Can I have two VA loans at once?
Yes, in certain circumstances — typically PCS relocation. Your remaining entitlement determines how much.
Is there a max loan amount?
No hard cap if you have full entitlement. County loan limits only matter for partial entitlement situations.
Programs people look at next
The first step is a conversation, and it costs nothing.
No documents, no credit pull, no obligation afterwards. Just somebody explaining the part you are stuck on.
Or call(503) 555-0175and ask for whoever is free.
