$0 Down Payment with
VA Home Loans
Helping veterans, active-duty military, and spouses achieve homeownership with zero down payment, competitive rates, and no PMI.
Years of Experience
Brand Trusted by Millions
Secure Financial Strength
Why Choose a VA Loan?
What Is a VA Loan?
Backed by the U.S. Department of Veterans Affairs, a VA loan is a government-supported mortgage available to eligible veterans, active-duty service members, National Guard members, Reservists, and some surviving spouses. VA loans are designed to reward your service by making homeownership more accessible and cost-effective.
VA loans provide powerful homebuying benefits earned through your service. With no down payment required, flexible credit guidelines, and capped closing costs, you can buy or refinance a home more affordably — keeping more cash in your pocket.
Key Features of VA Loans
Zero down payment required — 100% financing
No private mortgage insurance (PMI)
Competitive, government-backed interest rates
Flexible credit and income requirements
Who Qualifies for VA Loans?
Active-duty service members with at least 90 days of service
Veterans meeting minimum service requirements
Eligible surviving spouses of veterans
Individuals seeking to use earned VA home loan benefits
How It Works
- Explore Your Best Options: See how a VA loan can fit your homebuying or refinancing goals with zero down and government-backed savings.
- Compare and Customize: We’ll provide a clear breakdown of your potential monthly payments, eligibility, and how VA loan benefits stack up against other loan types.
- Take the Next Step: Fill out the form to get started — it’s simple, secure, and won’t affect your credit score.
About Mutual of Omaha Mortgage
The Mutual of Omaha Insurance Company has been helping customers since 1909. Inspired by hometown values and committed to being responsible and caring for each other, we exist for the benefit of our customers.
As a full-service mortgage lender, we have the solution for nearly every mortgage need. Our portfolio of home financing options include: fixed and adjustable rate loans, FHA, VA, USDA, jumbo loans, and refinancing programs. Along with our products, we offer competitive rates, a streamlined process and local underwriting and processing support —all focused on helping serve the needs of customers.
- A wide range of home refinancing
- Timely, accurate loan status updates
- Competitive rates and fees
- A+ rating with Better Business Bureau
Frequently Asked Questions
No! Qualified VA borrowers can finance 100% of the home’s value with no down payment required.
Yes — many veterans and service members can use their VA loan benefit multiple times, as long as they meet entitlement requirements.
VA loans no longer have official loan limits, but lenders may apply guidelines based on your entitlement and credit profile.
While the VA doesn’t set a minimum score, most lenders look for around 620+. We’ll help assess your eligibility.
Just a Minute Could Unlock Your VA Loan Options
Answer a few quick questions to see if you might qualify for zero down payment home financing through your VA benefits.
