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VA Loan Program | No Down Payment Financing in Pennsylvania
The VA Loan Program offers unmatched benefits for eligible Veterans, service members, and surviving spouses in Pennsylvania.
Backed by the U.S. Department of Veterans Affairs, VA loans allow you to buy a home with no down payment, no monthly mortgage insurance, and competitive rates — all with flexible qualification guidelines.
If you’ve served our country, this program is one of the most powerful tools available to help you achieve homeownership.
VA Loan Benefits
No down payment required (100% financing available)
No monthly mortgage insurance (PMI)
Flexible credit requirements
Competitive fixed or adjustable interest rates
Limited closing costs
Reusable benefit — use it more than once
Available for purchases, refinances, and cash-out
Assumable loan option (VA loans can be transferred to another qualified buyer)
Who Qualifies for a VA Loan?
You may be eligible if you meet at least one of the following:
Served 90 consecutive days of active duty during wartime
Served 181 days of active duty during peacetime
Have 6 years of service in the National Guard or Reserves
Are the surviving spouse of a service member who died in the line of duty or from a service-connected disability
We’ll help you confirm eligibility through your Certificate of Eligibility (COE) and walk you through every step of the process.
It might be easier to get pre-approved for a mortgage than you ever imagined. We believe in making it as easy as possible for everyone to purchase their own home. Click here now to get started, it only takes a few minutes online.
VA Loan Uses
Purchase a home with no money down
Refinance an existing VA or conventional loan
Use the VA Cash-Out Refinance to access equity
Buy a multi-unit property (up to 4 units, if one is owner-occupied)
Finance certain renovation or energy efficiency upgrades
Compare to Other Loan Options
[VA Purchase Loan] – Buy a home with 0% down and no monthly mortgage insurance
[VA One-Time Close Loan] – Finance land and construction with a single VA loan
[VA Renovation Loan] – Finance minor repairs and improvements at purchase or refi
[VA IRRRL (Streamline Refinance)] – Lower your interest rate with minimal paperwork
[Main Loan Program Page] – Compare all loan types, including FHA and Conventional
Get Started with Your VA Loan
We’ll help you verify your eligibility, calculate your zero-down buying power, and guide you through the entire VA loan process.
Start your application or request a free consultation below.
- NMLS#
John Thomas
Loan Officer - NMLS# 3094
Get a personalized and successful home loan approval experience
See how much you qualify for in 60 seconds or less.
PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.
