VA-backed loans may offer no down payment and do not require PMI. Eligibility, entitlement, appraisal and lender requirements apply; closing costs and a funding fee may apply.
Zero down payment
A down payment may not be needed, depending on entitlement, appraisal and lender requirements. Closing costs and a VA funding fee may still apply.
No PMI
No private mortgage insurance — ever.
Competitive rates
Compare the full cost, including any funding fee and closing costs.
Flexible credit
Credit and income must meet VA and lender requirements.
What is a VA loan?
VA loans are guaranteed by the U.S. Department of Veterans Affairs. That guarantee lets private lenders offer favorable terms to eligible veterans, active-duty members, and surviving spouses.
VA-backed financing is offered through private lenders. Ai Remco is a mortgage broker, not the VA or a government agency.
VA funding fee
A VA funding fee may apply unless you qualify for an exemption. The fee depends on loan type, down payment and prior benefit use. Financing it increases your loan balance. Review exemptions with the VA.
VA loan limits
Full VA entitlement removes the VA loan-limit cap, but the lender still evaluates affordability, credit and the appraisal. Remaining entitlement and lender requirements can affect the amount available and any down payment.
Who qualifies & how to start
Who qualifies
- Service requirements depend on when and how you served and any qualifying discharge exception
- National Guard and Reserve eligibility depends on qualifying service
- Certain surviving spouses may be eligible
- A Certificate of Eligibility establishes the VA benefit entitlement
- Credit, income, occupancy and lender underwriting requirements also apply
Getting your COE
- You'll need a Certificate of Eligibility (COE)
- We help you obtain it through the VA online portal
- Veterans: DD-214
- Active duty: Statement of Service
- National Guard: NGB Form 22
Questions, answered
New Jersey counties where borrowers use this program
Ai Remco LLC is a licensed New Jersey mortgage broker serving borrowers throughout the state. These county pages explain how this program fits local property types, price ranges and municipalities.
- Warren County, NJ
Eligible veterans and service members can buy with no down payment, including in rural Warren County.
- Morris County, NJ
Financing for eligible veterans and service members countywide.
- Sussex County, NJ
No down payment for eligible veterans, including on rural parcels.
- Union County, NJ
Financing for eligible veterans and service members countywide.
- Bergen County, NJ
Financing for eligible veterans and service members in a high-cost county.
- Middlesex County, NJ
Financing for eligible veterans and service members countywide.
- Monmouth County, NJ
Financing for eligible veterans and service members, including near the Earle and Lakehurst area commands.
- Ocean County, NJ
Financing for eligible veterans and service members, including the Joint Base area.
- Passaic County, NJ
Financing for eligible veterans and service members countywide.
- Mercer County, NJ
Relevant for the county's veteran and Joint Base-adjacent population.
- Burlington County, NJ
Heavily used across the Joint Base MDL area — zero down for eligible borrowers.
- Camden County, NJ
Financing for eligible veterans and service members throughout the county.
- Gloucester County, NJ
Used by the county's veteran population, including Joint Base-adjacent households.
- Cumberland County, NJ
Zero-down financing for eligible veterans, including on rural parcels.
- Salem County, NJ
Zero down for eligible veterans, common in this part of the state.
Every county we serve is on our New Jersey page.
Ready to use your VA benefit?
Thank you for your service. Get a personalized VA estimate or speak with a licensed loan officer.
Ai Remco LLC, NMLS #2560393. Licensed mortgage broker. This page is for general information only and is not a commitment to lend. All loan applications are subject to credit approval, property appraisal, income and employment verification, and underwriting. Rates, terms, and availability are subject to change without notice and vary by borrower. Equal Housing Opportunity. See our Licensing & Disclosures page.