VA PURCHASE
This option is ideal for eligible Veterans, active‑duty service members, and surviving spouses seeking exceptional terms.
Key Features
0% Down Payment | No Mortgage Insurance | Flexible Credit & DTI Limits
Why EHGM's VA Loans Are Different​
Our VA pre‑approvals are built to close. We fully structure your loan upfront, verify your eligibility and COE early, and address VA-specific requirements right away. This streamlines final underwriting and removes guesswork from the process.
Lower Fees, More FHA Buying Power
As a mortgage brokerage, we shop multiple VA‑approved lenders to find the most competitive rates and lower-cost options. The result: lower monthly payments, reduced closing costs, and stronger buying power compared to traditional lenders with added overlays and markups.
More Loan Options, One Application
Instead of being restricted to a single bank’s VA guidelines, we compare several lenders’ pricing, underwriting flexibility, and VA-specific requirements. You get more ways to qualify, more tailored solutions, and a smoother path to approval—all from one simple application.
Faster Turn Times & More Flexible Processes
We work with lenders known for fast VA underwriting, responsive communication, and efficient appraisal management. This allows us to move quicker than traditional banks, adapt when something changes, and keep your loan on track with fewer delays and less red tape.
​100% of clients work directly with a licensed advisor — never a call center.
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VA Purchase Criteria
What you can expect
Max Loan Amount
No official VA loan limit for borrowers with full entitlement; conforming limits may apply for partial entitlement.
Down Payment
0% down payment with full VA entitlement.
Credit
500+ FICO with strong compensating factors.
Employment
2‑year work history is standard. Military income, allowances (BAH/BAS), and variable income may be included.
Income
No official VA DTI cap; many approvals exceed 50% with strong compensating factors.
Assets
Funds must be sourced; gift funds allowed. VA requires residual income based on family size and region.