The single best mortgage program in the US. Full-entitlement veterans face no loan limit (eliminated in 2020) — routinely fund $1.5M+ VA purchases in Southern California with zero down.
Eligibility based on length and character of service. Certificate of Eligibility (COE) is the controlling document — takes 5 minutes to pull via VA's automated system.
VA funding fee (2.15% first-use zero-down) replaces monthly MI — waived entirely for veterans with VA-rated service-connected disability. IRRRL streamline refis close in 2–3 weeks with no appraisal and no income documentation.