VA home loans,made simple.
$0 down payment and no monthly mortgage insurance for eligible veterans and service members—plus an independent broker who shops 25+ lenders to find your best VA option. You earned this benefit; we’ll help you use every bit of it.
Professor Lending is a private mortgage broker—not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
No down payment required for eligible veterans, active-duty service members, and surviving spouses.
Unlike most low-down-payment loans, VA loans carry no monthly mortgage insurance—what many people call PMI.
Big VA lenders and banks offer one lender’s pricing. As an independent broker, we make 25+ lenders compete for your loan.
For eligible borrowers with a valid Certificate of Eligibility. Subject to VA requirements, credit approval, and lender guidelines; a VA funding fee may apply unless exempt.
Four steps
to the keys
Simple, transparent, and built around military timelines.
We pull your Certificate of Eligibility and confirm your entitlement—including any remaining from a prior VA loan.
Many buyers have a pre-approval letter within one business day of a complete application, so your offer is taken seriously.
Your file goes to multiple VA lenders. You see the options side by side, with a straight recommendation.
Remote and e-sign options, coordinated around PCS orders and report dates.
You earned it.
Use every bit of it.
The VA home loan is one of the most valuable benefits of service—and many veterans don’t use it to its full potential.
No down payment required for eligible borrowers. The VA benefit removes the biggest hurdle to buying—no need to spend years saving first.
Unlike most FHA and conventional loans with a smaller down payment, VA loans never carry monthly MI.
VA loans are among the most competitively priced loans available. As a broker, we shop multiple VA lenders to find your best option.
Your entitlement doesn’t expire. It’s often restored after a prior VA loan is paid off—and in some cases you can hold two VA loans at once.
Veterans receiving VA disability compensation and certain other borrowers are exempt from the VA funding fee. We’ll confirm your status on your Certificate of Eligibility.
Live in one unit of a 2–4 unit property and rent the others—a powerful way to start building wealth with your benefit.
VA eligibility is
broader than most people think
Many veterans assume they don’t qualify—or that they’ve “used up” their benefit. Both are often wrong.
Generally eligible after a minimum period of continuous active duty. You can use your benefit while still serving.
Eligibility depends on your length and character of service. Discharge must be under conditions other than dishonorable.
Eligible based on years of qualifying service or qualifying active-duty orders.
Certain unremarried surviving spouses of service members who died in service or from a service-connected disability may be eligible.
Used your benefit before? Your entitlement is often restored—or you may have remaining entitlement for a second VA loan.
We’ll pull your Certificate of Eligibility for you. It’s the fastest way to a real answer.
Big-name VA lenders are one option.
An independent broker is another.
National VA lenders and military banks are direct lenders—they offer their own products at their own pricing. As an independent broker, we bring your file to multiple VA lenders and let them compete.
You also get one loan officer who knows your market and answers calls and texts, instead of a new rep every time you call.
Refinance options
for VA homeowners
If rates have moved or your goals have changed, there may be a better structure for your current loan.
A streamlined VA-to-VA refinance with reduced paperwork and, in most cases, no appraisal. We’ll show you the break-even before you decide.
Tap your home’s equity for renovations, debt consolidation, or other goals—or refinance a non-VA loan into a VA loan.
PCS-ing? Keep your current home, rent it out, and use remaining entitlement at your next duty station.
Talk to a VA specialist
in your market
Every Professor Lending loan officer handles VA loans. Reach out directly—call or text.
Common questions about
VA home loans
Eligibility depends on your length and character of service. Active-duty members, veterans, National Guard and Reserve members, and some surviving spouses can qualify. Your Certificate of Eligibility is the definitive answer—and we can pull it for you.
Yes. Your entitlement is reusable. It’s typically restored after a prior VA loan is paid off, and in some cases you can hold two VA loans at once using remaining entitlement.
The funding fee is a one-time VA charge that can usually be financed into the loan. Veterans receiving VA disability compensation, and certain other borrowers, are exempt. Your status appears on your Certificate of Eligibility.
For borrowers with full entitlement, the VA doesn’t set a loan limit—your lender approval and budget do. If you have a VA loan outstanding, county limits affect the remaining entitlement calculation. We’ll walk you through it.
VA loans are for homes you’ll live in. But you can buy a 2–4 unit property and live in one unit, renting the others. For pure rentals, we offer DSCR and investor loans.
Yes. We handle the process remotely—application, pre-approval, appraisal coordination, and closing—and schedule around your report date.
They lend their own money at their own pricing. We’re an independent broker—we shop multiple VA lenders for your loan and give you a dedicated loan officer you can call or text.
You’ve earned the benefit.
Let’s make sure you use it.
Free eligibility check. No credit pull to start. No obligation.
Professor Lending LLC is a mortgage broker, not a lender or loan servicer. Company NMLS #2644699 (www.nmlsconsumeraccess.org). All loans are subject to lender guidelines, credit approval, property eligibility, and underwriting; not all applicants will qualify. This page does not quote rates or loan terms and is not a commitment to lend. Program availability varies by state and lender and may change without notice. Professor Lending LLC is licensed as a mortgage broker in each state in which it originates loans; license information is available at NMLS Consumer Access. Equal Housing Opportunity.
VA loans: Professor Lending is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs or any government agency. VA loan eligibility requires a valid Certificate of Eligibility and is subject to VA and lender requirements.