VA Mortgage: Service Honored
Your DC home is closer than you think. A DC VA home loan eliminates the down payment requirement and the PMI cost, giving veterans and active duty buyers a clear path to closing.
Guidance Veterans rely on
When it comes to buying a home after service, Veterans look for guidance they can trust. Thousands of servicemembers and their families have moved forward with clarity and confidence through support grounded in integrity, precision, and proven results, reinforced by a strong reputation across trusted platforms throughout the web.
Why VA Wins in DC
Why does a DC VA home loan beat the alternatives? Conventional needs at least 3% down and PMI under 20%. FHA charges MIP for the loan's life. USDA limits geography. The VA loan has none of those constraints for eligible buyers.
Our Rates For You
VA 30 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
VA Mortgage Highlights
No Down Payment Ever
Eligible DC buyers close on the VA home loan with zero down payment requirement. No 3% minimum. No 3.5% floor. No 20% conventional ask. The benefit covers 100% of the DC purchase price, leaving your savings intact for moving, reserves, and life after closing.
VA Skips PMI Entirely
A VA mortgage no-PMI structure saves eligible buyers $100-300 every month versus a conventional buyer with under 20% down. Over a 30-year loan, that's $36,000-108,000 in savings on PMI alone, compounding alongside the down payment dollars preserved by zero-down financing.
Better Rates for Veterans
A VA mortgage rate structure works in your favor across rate environments. In low-rate periods, the rate advantage compounds with low absolute rates for substantial savings. In high-rate periods, the rate advantage matters more proportionally. Either way, eligible DC buyers benefit from the structural advantage.
Flexible VA Credit Standards
A VA mortgage accommodates eligible DC buyers across credit profiles. Most lenders prefer 620+ scores, but the VA program itself sets no minimum. We look at the full picture: income, residual income, payment history, employment, and overall financial profile rather than score alone determining everything.
Verify Eligibility With COE
Eligibility for a DC VA home loan starts with confirming your service qualifies. Wartime active duty: 90 days. Peacetime active duty: 181 days. National Guard and Reservists: six years. We pull your COE to verify formally before structuring the loan.
Run Pre-Approval
Pre-approval on a VA mortgage typically takes 24-72 hours after we have your documentation. Income, employment, credit, and asset review happen in parallel. Once complete, the pre-approval letter is ready for your DC agent to use on offers.
Tour Homes in Your Range
Your VA mortgage pre-approval letter is the tool your agent uses on every offer. DC listing agents take pre-approved offers seriously because they reflect verified income, employment, credit, and assets. The letter signals that your offer is more than just a price.
Close on Your DC Home
Your VA mortgage closes after underwriting clearance, satisfactory VA appraisal, and clear title work. Most files complete in 30-45 days. We handle the lender-side coordination, keep you updated on every milestone, and prepare you for closing day so you can focus on moving in.
Your DC VA Mortgage Journey
See your numbers
Before you see a listing, see the math. Your estimate includes principal, interest, property taxes, homeowner’s insurance, and any HOA dues. If the seller can cover part of your costs under VA rules, you will see that too. Pick a monthly number you can live with, then search inside that line.
What Veterans says
VA Mortgage Q&A
Still unsure? Talk to someone who hears you, not a script.
A DC VA home loan is a mortgage backed by the U.S. VA for eligible vets, active duty, and surviving spouses. It offers zero down payment, no monthly PMI, and competitive rates. DC buyers use it for first homes, post-PCS purchases, and second-time buys.
Eligible buyers for a VA mortgage include active duty members after 90 days continuous service, veterans with qualifying discharges, National Guard and Reservists at six years (or 90 days federal active), and surviving spouses. We pull your COE through VA channels to confirm DC eligibility on day one.
Zero down payment is required on a VA mortgage for eligible buyers. The benefit covers 100% of the DC purchase price up to county Home loan limits. Your savings stays in your account, available for closing costs, moving expenses, and post-closing reserves on the DC home.
A VA mortgage never charges PMI. The federal guarantee covers the role PMI plays on conventional loans. Eligible DC buyers save $100-300 every month versus conventional financing with under 20% down, savings that compound to tens of thousands over a 30-year loan.
VA itself sets no minimum credit score for a VA mortgage. Most lenders prefer 620 or higher, but lower scores can work with strong income, residual income, and payment history. We assess DC files on the full picture rather than a single credit score cutoff.
Rates on a VA mortgage typically run 0.25-0.5% below comparable conventional offers in similar credit profiles. The federal guarantee makes the rate advantage structural. On a typical DC purchase, the savings compound to $20,000-$50,000 over a 30-year loan, in addition to zero-down and no-PMI program savings.
There is no loan limit on a VA mortgage for veterans with full entitlement. DC buyers can borrow up to what their income, credit, and the VA appraisal support. Partial entitlement (from prior Home loan use without restoration) creates effective limits we walk through on the file.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
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Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. No statement herein should be construed as being made on behalf of any state or federal agency.
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