VA Home Loans – Proudly Serving Our Veterans and Active-Duty Service Members

VA Home Loans – Built for Those Who’ve Served

100% Financing • No PMI • Competitive Rates

At Cap One Lending, we proudly serve veterans, active-duty service members, and eligible surviving spouses through our specialized VA home loan program. As a Veteran-owned company, we understand the value of service and are committed to making homeownership easier for those who’ve served our country.

✅ What Is a VA Loan?

A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs that allows qualified buyers to purchase or refinance a home with no down payment, no private mortgage insurance (PMI), and flexible credit requirements.

VA loans are one of the most powerful benefits available to those who serve—and we’re here to help you use it to your full advantage.

💡 Key Benefits of VA Loans

✅ 0% Down Payment – Buy a home with no money down

✅ No PMI – Save hundreds monthly vs. FHA or Conventional loans

✅ Flexible Credit Requirements – Minimum credit score of 600

✅ No Prepayment Penalties – Pay off your loan early without penalty

✅ Low Interest Rates – Competitively priced, government-backed rates

✅ Closing Costs Assistance – Sellers can contribute up to 4% toward costs

✅ Reusable Benefit – Use your VA loan entitlement more than once

✅ VA Streamline Refinance (IRRRL) – Lower your rate with no appraisal or income docs

🏡 Eligible Property Types

Single-family homes
Townhomes and condos (VA-approved projects)
Multi-unit properties (up to 4 units, must occupy one unit)
Manufactured homes on a permanent foundation
New construction (select markets)

📝 VA Loan Guidelines

Minimum Credit Score:

600+ (exceptions considered based on compensating factors)
Loan Amounts:
Up to $2,000,000+ (with full or partial entitlement)
Occupancy Requirement:
Must be your primary residence
VA loans are not eligible for second homes or investment properties
Funding Fee:
A one-time VA funding fee (can be financed into the loan)
Exemptions available for eligible disabled veterans

📈 VA Loan Limits (2025)

VA loans no longer have a strict loan limit for veterans with full entitlement. However, for those with partial entitlement, standard conforming loan limits:

Units	Loan Limit
1	$806,500
2	$1,032,650
3	$1,248,150
4	$1,551,250

Contact our team to determine your exact VA entitlement and buying power.

🔄 VA Refinance Options

VA IRRRL (Interest Rate Reduction Refinance Loan):

No appraisal or income verification
Lower your rate and monthly payment
Fast and simple closing process

VA Cash-Out Refinance:

Access up to 100% of your home’s equity
Use funds for debt consolidation, home improvements, or other financial goals

📚 VA Resources

📞 Get Pre-Approved for a VA Loan Today

You’ve served our country—now let Cap One Lending serve you. Our team of VA loan experts will walk you through every step, from pre-approval to closing, ensuring a stress-free experience built around trust and results.

📲 Call us at 816-905-1111
🌐 APPLY HERE or request your VA loan consultation today

Veteran-Owned. Veteran-Focused. Your mission deserves a mortgage that works for you.

Helping Veterans