Norfolk, VAVA purchase
First home, equity from day one
Zero down, no PMI, and they walked into equity the day they got the keys.
2 weeks from contractBuyer’s agent @iamcraighouston
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VA home loans from a Navy veteran who has used his own
$0 down, no PMI and limits on closing costs for veterans, active-duty service members and eligible surviving spouses.
$0down payment for eligible borrowers
No PMIno monthly mortgage insurance
Reusableentitlement can be used again
For eligible borrowers. Programs, terms and availability vary by lender and can change — ask Craig for current details. Craig Scott is not affiliated with the Department of Veterans Affairs.
Who it fits
- Veterans, active duty, Guard and Reserve members with eligible service
- Eligible surviving spouses
- Buyers on PCS orders or with a tight move-in date
- Veterans who already have a VA loan on another home
Good to know
- There is a one-time VA funding fee, which can be rolled into the loan; veterans with a service-connected disability rating are usually exempt.
- The home must be your primary residence and meet VA minimum property requirements.
- Second-tier entitlement can let you buy again while keeping a first VA home.
How it works
From first call to keys
Talk to Craig
A 15-minute call about your goals, timeline and budget. No credit pull, no pressure — just straight answers.
Get pre-approved
Apply online in about ten minutes. Craig compares lenders and programs and sends you a pre-approval you can shop with.
Close on time
Craig keeps you, your agent and title in the loop every week, and gets you to the closing table — often in 21 days or less.
Closed with Craig
Recent closings like yours
Real loans Craig closed — what the buyer needed and how it came together.
Norfolk, VA
Norfolk, VAVA purchase
Bought while deployed at sea
Barely any internet on deployment. We handled the Tidewater appraisal and the paperwork; they came home to their own front door.
Under 3 weeksBuyer’s agent @kerrytannerva
Aledo, TXVA purchase
A second VA loan, first one kept
They still had a VA loan on a home in Missouri. With the right structure, the benefit kept working.
Second-tier entitlementAmanda Falconer & Laura Bumgarner
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Estimated monthly payment
$0/mo
- Principal & interest
- Property tax
- Insurance
- Mortgage insurance
- Loan amount
Illustration only — not a quote. VA shows the funding fee financed (2.15% first use) and no monthly MI; FHA uses 1.75% upfront and 0.55% annual MIP; conventional MI is estimated at 0.5%/yr under 20% down. Ask Craig for real numbers on your scenario.
FAQ
VA loans: common questions
How do I get my Certificate of Eligibility?
Craig can pull your COE for you in most cases — all he needs is your basic service information.
Can I buy a duplex or fourplex with a VA loan?
Yes, if you live in one of the units. Craig has closed VA duplexes where the tenant’s rent helps pay the mortgage.
Can I build a home with a VA loan?
Yes — see the VA one-time close construction loan, which finances the land, the build and the permanent loan in one closing.
Does my disability rating change anything?
A service-connected disability rating usually waives the VA funding fee, which can save thousands at closing.
How long does it take to close?
Most loans close in about 21–30 days. Some of Craig’s recent clients closed a purchase in 9 days and a refinance in 4 days when the file was ready — every file is different.
How much do I need for a down payment?
It depends on the program. VA, USDA and physician loans can be zero down for eligible borrowers, FHA starts at 3.5%, and some conventional programs start at 3% — or 1% with lender-paid assistance for income-qualified buyers. Down payment assistance can cover part or all of it.
Compare
All loan optionsOther options worth a look
VA one-time close constructionBuy the land and finance construction in a single closing — with participating lenders, no payments for up to 11 months while the home is built.
FHA loansGovernment-backed loans with 3.5% down and more flexible credit and income guidelines.
USDA loansZero down payment for homes in eligible rural and suburban areas — often closer to the city than people think.
Need a human touch?
Craig picks up.
Call, text or book 15 minutes. You will talk to Craig — not a call centre.