A benefit you earned.
Guidance that respects it.
As a VA-approved lender path, AREG helps eligible service members, veterans, and qualifying surviving spouses use the VA home loan benefit. Typical advantages include $0 down where entitlement allows, no private mortgage insurance, flexible credit standards, and refinance or equity conversations that differ from conventional loans. Eligibility for the benefit does not replace lender credit, income, and property review.
- Typically $0 down when entitlement supports it
- No private mortgage insurance
- Flexible credit review and refinance / equity conversations
What should I know first?
As a VA-approved lender path, AREG helps eligible service members, veterans, and qualifying surviving spouses use the VA home loan benefit. Typical advantages include $0 down where entitlement allows, no private mortgage insurance, flexible credit standards, and refinance or equity conversations that differ from conventional loans. Eligibility for the benefit does not replace lender credit, income, and property review.
Have these details ready.
Starting information only. Your lender determines final documentation. Send sensitive documents only through the secure process your loan team provides.
- Certificate of Eligibility or enough service details to request one.
- Property state, occupancy, expected price or value, and requested loan amount.
- Income, assets, and identification through your loan team’s secure process.
- For refinance: current mortgage statement and remaining entitlement questions.
Before you take the next step.
Do VA loans require a down payment?
Typically no, when remaining entitlement and the purchase support a full guaranty. Ask AREG to confirm entitlement, any funding fee or exemption, and cash needed for closing costs.
What about PMI and credit flexibility?
VA loans do not require private mortgage insurance. AREG notes flexible credit review, including conversations for scores as low as 580 where the overall file supports it. Approval is never automatic.
What is a Certificate of Eligibility?
It helps demonstrate entitlement to the VA home loan benefit. Bring COE details early so the team can map remaining entitlement to the property and loan amount.
Does eligibility guarantee a loan?
No. The lender must still review the application and property. Ask about occupancy, residual income, funding fee or exemption, and closing costs.
A question shouldn’t
slow down a closing.
Brooke and John are here for the “can we?” questions. Bring a loan scenario, ask what to collect, or get help choosing your next step.
See the document checklists ↓
Published 2026-10-28 · Prepared for AREG’s mortgage education library. Program eligibility and pricing require individual review.
Program background from the official source ↗Source guidance explains concepts; it is not a commitment by AREG to offer every listed lender term.