# VA loans in Virginia and military home buying

Source: https://nobullshitloans.com/veterans/
By Tyler Rood, Loan Officer, NMLS ID # 2064776, Edge Home Finance, LLC (NMLS ID # 891464). Updated 2026-11-09.

A VA loan is one of the strongest tools a veteran or service member gets for buying a home, and a lot of people use only part of it. VA loans exist so the people who served have a place to live and can focus on the job, and the guidelines are written in the veteran's favor: no monthly mortgage insurance, no required down payment when your entitlement covers the price, and a benefit you can use more than once.

These pages explain VA loans in Virginia the way I would at your kitchen table, with the math in dollars. Where to start:

- **New to VA loans?** Read [how VA loans work](https://nobullshitloans.com/veterans/va-loan/): eligibility and the Certificate of Eligibility, credit, residual income and what a seller can pay.
- **Used your VA loan before, or keeping the house you have?** Go to [VA entitlement](https://nobullshitloans.com/veterans/va-entitlement/). It decides whether your next home needs a down payment.
- **Loan amount bigger than the price?** That's the [VA funding fee](https://nobullshitloans.com/veterans/va-funding-fee/), and some veterans don't owe it at all.
- **Orders for a move?** The [PCS page](https://nobullshitloans.com/veterans/pcs/) (permanent change of station) covers sell, rent or keep, and [buying near Fort Lee](https://nobullshitloans.com/veterans/fort-lee/) covers the local taxes, loan limits and timing.

Already have a VA loan? The refinancing group covers the VA streamline and what to do if you fall behind on payments.

One rule runs through every page: a VA loan is for a home you genuinely move into, and your application says exactly what you plan to do with every property.

## Disclosures

Individual Originator: Tyler Rood, Loan Officer, NMLS ID # 2064776 (www.nmlsconsumeraccess.org). Licensed in NC, PA, TX and VA.
Edge Home Finance, LLC | NMLS ID # 891464 | www.nmlsconsumeraccess.org. Licensed in all U.S. states & D.C., EXCEPT New York. Edge Home Finance, LLC is a mortgage broker, not a direct lender or creditor. Virginia Broker License MC-7006. North Carolina Mortgage Broker License B-201539. Pennsylvania Mortgage Broker License 81041. Texas: Mortgage Company License, Department of Savings and Mortgage Lending.
Edge Home Finance, LLC is a private mortgage broker and is not affiliated with, endorsed by, or acting on behalf of or at the direction of the U.S. Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), the Department of Housing and Urban Development (HUD), or any other government agency.
We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.