VA home loans: $0 down, no monthly PMI
You earned this benefit. We help Utah veterans and service members, including families near Hill Air Force Base, use it well.
- $0 down payment for eligible borrowers
- No monthly mortgage insurance
- Funding fee waived for many disabled veterans
Real numbers. Straight answers. No pressure.
Tell us a little about your goals. Nelson will reach out the same business day with options from dozens of wholesale lenders.
See if you qualify: free, no commitment.
No pressure. Nelson will give you a straight answer about whether this works for your situation.
Why VA is often the best loan available
VA loans are guaranteed by the U.S. Department of Veterans Affairs. That guarantee lets lenders offer zero-down financing with competitive rates and no monthly mortgage insurance.
Our Clearfield office is just outside Hill Air Force Base, and we work with active duty families, PCS moves and veterans across northern Utah. We'll pull your Certificate of Eligibility and handle the VA-specific details.
This is a good fit if you…
- Are a veteran, active duty member, Guard or Reserve member
- Are a qualifying surviving spouse
- Are PCSing to Hill AFB
- Want to buy with no down payment
VA loan benefits
Zero down
Finance up to 100% of the purchase price with full entitlement.
No monthly mortgage insurance
A one-time funding fee instead, which can be financed or waived.
VA IRRRL
Lower your rate later with minimal paperwork. Learn more →
Buyers keep coming back
Nelson and Danna did an outstanding job processing everything for my VA loan. They were very quick and responsive, and everything went much quicker than I expected. I was very happy with the rate and fees they were able to get for me.
This is the 2nd time we have worked with them to buy a house… They helped us to ensure that we configured our mortgage the best way possible for our needs. They were in constant contact with us to make adjustments to get us the best deal possible.
I could not have been happier with my experience! Nelson and Danna went way above and beyond… you will get an incredible attention to detail, but most of all you will feel like you're talking to your friends.
Questions we hear often
Do VA loans require a down payment in Utah?
No, not with full entitlement. Down payment may be needed with reduced entitlement on higher-priced homes.
Who is exempt from the VA funding fee?
Veterans receiving VA compensation for service-connected disabilities, and certain surviving spouses, among others.
Can I use my VA loan more than once?
Yes. Entitlement can be restored after you sell, and in some cases you can have more than one VA loan.
Ready to see what you qualify for?
Talk with Nelson for 15 minutes. You'll leave with real numbers and a clear plan.