Mike Prenesti | The Mortgage Jedi

VA Home Loan Guide

You served. This benefit is yours. The VA loan is one of the strongest programs in the country, and a lot of veterans never use it because nobody explained it clearly. Let me fix that.

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Who qualifies

Most veterans, active duty service members, National Guard, Reserves, and some surviving spouses are eligible.

Eligibility is based on your service history. We confirm it with your Certificate of Eligibility, which I help you get.

The benefits that matter

  • Zero down payment on most purchases.
  • No monthly mortgage insurance, which keeps your payment lower.
  • Competitive interest rates.
  • Flexible credit guidelines.
  • You can reuse the benefit again and again.

Entitlement and the funding fee

Entitlement is the amount the VA guarantees on your behalf. It is what lets you buy with no money down.

The funding fee is a one time cost that keeps the program running. Many disabled veterans are exempt. The fee can usually be rolled into the loan so it is not out of pocket.

How to put it to work

We start with your comfortable payment, confirm your eligibility, and get you pre-approved. Then you shop knowing your benefit is ready to go.

Ready to talk about your situation?

No pressure, no obligation. Book a quick call or start your application whenever you are ready.

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