What is a VA loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, and certain surviving spouses. It’s one of the most powerful benefits available to those who’ve served — and with McConnell Air Force Base right here in Wichita, it’s one we’re honored to help our neighbors use.
The standout advantages are significant: eligible buyers can purchase with zero down payment and pay no monthly private mortgage insurance, which keeps the monthly payment lower than comparable low-down-payment options. VA loans also tend to offer competitive rates and flexible qualifying terms.
To use a VA loan you’ll need a Certificate of Eligibility, and most purchases include a one-time VA funding fee (often financeable, and waived for many veterans with a service-connected disability). We’ll help you navigate every step and get the full value of your benefit.
Why buyers choose VA Loans
$0 Down Payment
Eligible veterans and service members can buy with no down payment at all. Subject to VA eligibility and entitlement.
No Monthly PMI
Unlike most low-down-payment loans, VA loans require no monthly private mortgage insurance — keeping your payment lower.
Competitive Rates & Terms
VA loans often feature competitive rates and flexible guidelines as a thank-you for your service. Subject to underwriting.
A Benefit You Can Reuse
Your VA loan benefit can often be used more than once over your lifetime. We’ll help you understand your entitlement.
You might be a great fit if…
VA loan basics
Certificate of Eligibility
You’ll need a COE to confirm your entitlement. We’ll help you obtain it — it’s a straightforward step.
Zero Down
Most eligible buyers purchase with no down payment, subject to entitlement and the appraisal.
VA Funding Fee
Most purchases include a one-time funding fee that can often be financed. It’s waived for many veterans with a service-connected disability.
Getting Approved
We verify eligibility, review your scenario, and give you a real answer fast. Subject to credit and underwriting approval.
See what a VA loan might cost per month
Enter a home price to see an estimated monthly payment. Educational estimate only — not a quote or an offer.
Important: Illustrative estimate for educational purposes only — not a loan offer, rate quote, pre-qualification, or commitment to lend. The sample rate is not an offered rate; VA loans have no monthly PMI; actual rates change daily and depend on your credit, down payment, loan program, and property. Principal and interest only — taxes, insurance, HOA, and mortgage insurance are not included and will increase your payment. Not all applicants qualify. All loans subject to credit approval, income verification, appraisal, and underwriting. Equal Housing Lender.
Ready to see your real numbers? A licensed loan officer will walk you through it — no obligation.
Common questions
Do VA loans really require $0 down?
Yes — for most eligible buyers with full entitlement, a VA loan allows a home purchase with no down payment, subject to the appraised value and underwriting. It’s one of the most valuable features of the benefit.
Is there mortgage insurance on a VA loan?
No monthly private mortgage insurance, a major advantage over most low-down-payment loans. There is a one-time VA funding fee on most purchases, which can often be financed and is waived for many veterans with a service-connected disability.
How do I know if I’m eligible for a VA loan?
Eligibility is based on your service history and confirmed by a Certificate of Eligibility. Veterans, active-duty members, many Guard and Reserve members, and certain surviving spouses may qualify. We’ll help you check quickly.
Can I use my VA loan benefit more than once?
In many cases, yes — the benefit can be restored and reused over your lifetime depending on your entitlement. We’ll help you understand how much you have available.
Can I use a VA loan near McConnell AFB?
Definitely. We regularly help service members and veterans in the Wichita and McConnell AFB community use their VA benefit, and the whole process can be handled by phone and secure online tools.
Put your VA benefit to work
Get a real, personalized answer from a licensed loan officer — usually the same day. All loans subject to credit and underwriting approval.