The Best Home Loan for Veterans & Active Duty

Your Path to Homeownership with a Sacramento VA Purchase Loan

If you’re a veteran, active-duty service member, or eligible surviving spouse, the VA purchase loan is the best mortgage option available. With zero down payment, no private mortgage insurance (PMI), and competitive interest rates, VA loans help military families achieve homeownership faster and more affordably.

Sacramento is home to a large military and veteran community, making VA loans a popular choice for buying a home in the area. If you qualify, this program offers incredible savings and an easy path to homeownership. A Sacramento VA Purchase Loan opens the doors for our local military families. .

Why Choose a VA Purchase Loan?

Unlike conventional loans, VA loans require no down payment, making homeownership more accessible. Here are the key benefits:

✅ Zero Down Payment – No need to save for a big down payment!
✅ No Private Mortgage Insurance (PMI) – Save hundreds each month compared to FHA and conventional loans.
✅ Competitive Interest Rates – VA loans often offer lower rates than traditional loans.
✅ Easier Qualification – Flexible credit and debt-to-income (DTI) requirements.
✅ Limits on Closing Costs – The VA restricts certain closing costs, saving you money.
✅ No Loan Limits in 2025 – Eligible borrowers can finance a home with no cap on the loan amount (lender approval required).

Did You Know? Even if you’ve used a VA loan before, you may still be eligible for another one!

Sacramento VA Loan Eligibility – Who Qualifies?

To qualify for a VA purchase loan, you must meet one of these service requirements:

• Active-duty military with at least 90 days of service.
• Veterans who served at least 90 days during wartime or 181 days during peacetime.
• National Guard or Reservists with at least six years of service.
• Surviving spouses of service members who died in the line of duty.

💡 Don’t have your VA Certificate of Eligibility (COE)? No problem! We can help you obtain it as part of your application process.

How Much Can You Borrow with a VA Loan in Sacramento?

Great news! As of 2020, VA loan limits were eliminated for eligible borrowers. That means you can borrow as much as you qualify for—with no official cap on loan amounts.

💰 That’s thousands of dollars in savings! If you had to put 5% down on a conventional loan, you’d need $50,000 on a $1,000,000 home. With a VA loan? Zero. Nada. Nothing.

Sacramento VA Loan Process – How to Get Started

1. Get Your Certificate of Eligibility (COE)

Your COE proves you’re eligible for a VA loan. We can help you obtain it quickly!

2. Get Preapproved

A VA loan preapproval will help you determine your home-buying budget. It also shows sellers you’re serious and ready to buy.

3. Find Your Dream Home

Work with a real estate agent who understands VA loans to find a home that meets VA guidelines.

4. Make an Offer

Once you find the perfect home, submit a competitive offer backed by your VA preapproval.

5. VA Appraisal & Underwriting

The VA requires a VA appraisal to ensure the home meets safety and livability standards. Your lender will also verify your finances.

6. Close & Move In!

Sign the final paperwork, get your keys, and move into your new home! 🎉🏡

Get Preapproved for a Sacramento VA Purchase Loan Today!

As a veteran or active-duty service member, you’ve earned this incredible home loan benefit. Let’s make your dream of homeownership a reality!

📞 Call or text us at 916-465-6639
📧 Email us at hello@newwaymortgage.com
📅 Schedule an appointment HERE

📺 Check out our YouTube channel at www.newwayhome.com for expert mortgage tips!

Sacramento VA Purchase Loan FAQs

1. Can I buy a second home with a VA loan?

VA loans are for primary residences only, but you can use your VA entitlement again if you qualify.

2. Do I need a perfect credit score to qualify?

No! VA loans have flexible credit requirements, often lower than conventional loans.

3. How long does the VA loan process take?

Typically 30-45 days, depending on the appraisal and underwriting process.

4. Can I use a VA loan if I’ve had a foreclosure or bankruptcy?

Yes! You may still qualify after a short waiting period.

5. What if I have a VA disability rating?

Veterans with a service-connected disability may be exempt from the VA funding fee, saving even more!