Your VA benefit is worth more than zero down

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A real example

A veteran mom and her daughter bought a $700,000 home with $40,000 less down than a 20% loan.

Purchase price $700,000
VA guaranty on the mom's share $75,000
20% conventional down payment $140,000
Their down payment $100,000

A VA joint loan with a non-veteran co-borrower, and no monthly mortgage insurance. Requirements vary by lender.

Inside the guide

Seven short chapters on the VA strategies most buyers never hear about.

  1. Your benefit is reusableEntitlement, loan limits, and what "used" really means
  2. VA as an investment toolHouse hacking 2 to 4 units and the two-home plan
  3. Buying with a non-veteranHow a joint loan works, with the math
  4. The rate is negotiableSeller-paid closing costs, the 4% rule, and buydowns
  5. Money most buyers leave on the tableThe funding fee, California's property tax exemption, the appraisal
  6. If you already own with VAThe streamline refinance and your next purchase
  7. Your next stepA 15-minute call, and a lender who specializes in VA
I've had the privilege of helping veterans throughout my career, working alongside a lending partner who knows VA inside and out. Over time it became a specialty.

Shawnivan Hone · Real Estate Advisor with Real Broker · close to 10 years and nearly $200M in Greater Sacramento sales

Shawnivan Hone
Real Estate Advisor · DRE #02027593
Real Broker · DRE #02022092
916-945-1294 · shawnivan.com
Equal Housing Opportunity. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs. Requirements vary by lender and every loan is subject to lender approval. This guide is general information, not legal, tax, or lending advice.