Attention
Veterans & Service Members!
Buy a Home With $0 Down &
$0 Closing Costs!

It’s not a scam—it’s math. Most big banks and retail lenders have high overhead and keep the "Wholesale Broker Credit" for themselves. Because we operate as a wholesale broker, we pass that credit (typically 1.5%) directly to you. Combined with a contribution from your partner real estate agent, we can zero out your out-of-pocket costs.

No. While our "Double Zero" program works best with our partner agents (because they’ve agreed to contribute 0.5% of their commission to your costs), you can absolutely use your own agent. If you bring your own agent, you still qualify for the $7,500 Lender Credit!

Absolutely. Your VA entitlement is a lifetime benefit. Whether you are a first-time homebuyer or have used the benefit multiple times, you can still qualify for the Double Zero program as long as you have remaining entitlement.

Quite the opposite. Because we work directly with wholesale channels, we typically close faster than big-box retail lenders. Most of our Double Zero loans clear for closing in 21 days or less, making your offer much more attractive to sellers.

If you have your full entitlement, there are actually no loan limits—you can borrow as much as you qualify for with $0 down. If you have partial entitlement (because you currently have another VA loan), the 2026 baseline limit has increased to $832,750 in most areas and up to $1,249,125 in high-cost counties. This increase allows you to buy more home with a lower (or zero) down payment even when reusing your benefit.

The VA requires homes to be Safe, Sanitary, and Structurally Sound. Common "deal-killers" include peeling lead-based paint (in homes built before 1978), active roof leaks, non-functioning heaters, or termite damage. Most of these are simple fixes. If an issue is found, we work with the seller to get it repaired before closing so your loan can move forward.

Yes! You can use your VA benefit to buy a multi-unit property (up to 4 units) with $0 down, provided you intend to live in one of the units as your primary residence. You can even use the projected rental income from the other units to help you qualify for a higher loan amount. This is a powerful way to build wealth while serving.

While the VA allows for construction loans, most lenders (including us) prefer to finance the "construction-to-permanent" phase. Usually, you would get a short-term construction loan from a builder, and once the home is finished, we use the VA Double Zero program to refinance that into a permanent $0-down mortgage.

Yes. While the VA generally requires you to move in within 60 days, there are exceptions for active-duty members. A spouse can fulfill the occupancy requirement on your behalf while you are deployed. Additionally, if you are retiring soon, the VA may allow you to delay move-in for up to 12 months in certain cases.