The home you earned.
Zero down.
Purchase, refinance, and cash-out VA loans, explained plainly. Mortgage services are provided by Bolt Home Loans LLC, NMLS #2784913.
Your VA benefit. Your next move.
Watch the 30-second explainer, then explore the path that fits your goal.
Read the transcript
Three VA loan myths. Myth: Only for first-time buyers. Fact: Your benefit can be used again; eligibility and available entitlement still matter. Myth: VA loans require monthly PMI. Fact: No monthly PMI; a VA funding fee may apply unless you are exempt. Myth: No down payment means no closing costs. Fact: Plan for closing costs; prepaids, escrows and other charges may still apply. Explore your VA options at vahomemortgageloan.com. Loan approval and program requirements apply. Bolt Home Loans LLC, NMLS #2784913. Not affiliated with the VA or any government agency.
Official VA references
What would you like to do?
Choose a goal to see educational next steps. No personal or financial information is collected here.
One benefit. Four ways to use it.
Whether you're buying your first place, dropping your rate, or turning equity into flexibility — your VA benefit stretches further than most veterans realize.
The rare benefit that actually lives up to the pitch.
$0 down payment
A 0% down payment may be available to eligible borrowers. Closing costs, prepaids, and escrows may still apply.
No monthly PMI
VA loans do not require monthly PMI. The cost difference versus another loan type depends on the loan amount, credit profile, down payment, and available terms.
Lender's obligation
VA rules make foreclosure a last resort — not the first move.
Reusable entitlement
Entitlement may be reusable after payoff or restoration, and remaining entitlement can sometimes be used again. Availability depends on prior VA loan use, entitlement status, occupancy, eligibility, and lender approval.
No teaser rates. A real quote instead.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Know before you sign.
VA Loan Basics: The Benefit You Earned, Explained
Zero down, no PMI, and a lender's obligation to help you succeed. Here's how the VA loan program actually works.
VA Certificate of Eligibility (COE): Complete 2026 Guide
What the COE is, every way to request one, the service requirements behind it, how to read your entitlement, what to do if it is denied, and how restoration works — with VA sources for each step.
The VA Funding Fee, Demystified
One closing cost, one time, and often financeable. Here's exactly how the funding fee is calculated in 2026.
No credit report pulled to start. A real answer from a licensed VA loan officer.
Start your inquiry with a licensed loan officer at Bolt Home Loans LLC who understands DD-214s, BAH, and what "PCS in 60 days" actually means for underwriting.