You earned this benefit. A VA loan lets eligible veterans and service members buy with no down payment and no monthly mortgage insurance. Clear2 handles the VA paperwork and finds the lender with the best terms for your file.
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs. The guarantee lets lenders offer no-down-payment financing without monthly mortgage insurance. For most eligible buyers, it is the lowest-cost way to buy a home.
Eligible borrowers with full entitlement can finance 100% of the purchase price. That keeps your savings available for reserves, moving costs, or repairs.
Conventional and FHA loans charge mortgage insurance. VA loans don't. On a typical loan, that can mean a noticeably lower monthly payment.
The VA doesn't set a minimum credit score. Lenders set their own, and Clear2 looks for the lender whose standards fit your file.
Loan limits, local programs, and market conditions differ from state to state. Pick your state for the details that apply where you're buying.
Eligibility is based on service. Your Certificate of Eligibility (COE) confirms it, and Clear2 can request it for you.
With full entitlement, the VA sets no loan limit. You can borrow what a lender approves you for with no down payment. If part of your entitlement is tied up in another VA loan, county limits help determine whether a down payment is needed.
Entitlement rules are set by the VA. Your loan officer will review your COE with you.
For eligible borrowers, VA usually comes out ahead on upfront and monthly cost.
Most eligible buyers should start with VA. These profiles benefit the most.
Skipping the down payment can move your purchase up by years compared to saving 5% to 20%.
Your benefit is reusable. You can buy at each duty station and restore entitlement when you sell.
Veterans receiving VA disability pay no funding fee, which lowers the cost of the loan from day one.
Three ways buyers have used their VA benefit.
A Marine veteran with steady income and little savings bought a $310,000 home with no down payment and no monthly PMI.
A veteran with a service-connected disability rating bought a $425,000 home with the funding fee waived.
An active-duty family kept their first home as a rental and used remaining entitlement to buy at a new duty station.
VA loans have their own appraisal, entitlement, and funding fee rules. Our loan officers handle them every week and can request your COE for you.
You work with one loan officer from your first question to the closing table. Clear2 is licensed in 22 states, and every loan officer has the same lender network behind them.
Clear2 Mortgage2600 W Big Beaver Rd, Suite 100Troy, MI 48084(248) 970-0040
Christopher Kas-Marogi founded Clear2 Mortgage and has more than $1 billion in funded residential loans. He built Clear2 as an independent broker so borrowers could get their loan matched to the right lender instead of a single bank's product list.
Five-star reviews from Clear2 clients on Google.
"Donavin was straightforward and a breeze to work with. Communication was quick and easy. The whole process was seamless and he was available for guidance or questions. I would not hesitate to use Clear2 Mortgage in the future."
"Alex was absolutely amazing from the beginning. He was patient and thorough with all of our questions. He even followed up after the process was finalized to ensure everything was still good. I would recommend him to everyone!"
"The process was seamless and every question I had as a first-time home buyer was answered. My loan officer gave me his professional opinion based on my specific circumstances to personalize my loan."
How do I get my Certificate of Eligibility?
Clear2 can request your COE through the VA system during your application. You can also request it on VA.gov.
What is the VA funding fee?
It is a one-time fee that supports the VA loan program. The amount depends on your down payment and whether you've used your benefit before. It can be financed, and veterans receiving disability compensation are exempt.
Can I use a VA loan more than once?
Yes. Your benefit is reusable. Entitlement is restored when a prior VA loan is paid off, and you may have remaining entitlement even while a VA loan is open.
Is there a minimum credit score for a VA loan?
The VA doesn't set one. Lenders set their own minimums, which is why working with a broker who has access to many VA lenders helps.
Can a surviving spouse get a VA loan?
Yes. Surviving spouses of service members who died in service or from a service-connected disability may qualify.
Can I buy a multi-unit home with a VA loan?
Yes. VA loans cover 1 to 4 unit properties as long as you live in one of the units.
No obligation and no hard credit pull to start. We'll confirm your eligibility and show you what you qualify for.
Clear2 Mortgage, LLC. NMLS #1911663. Licensed Mortgage Broker. 2600 W Big Beaver Rd, Suite 100, Troy, MI 48084. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval, property appraisal, and underwriting guidelines. Rates and terms subject to change without notice.
