VA home loans
You’ve protected the American dream — now own a piece of it
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Veterans Affairs (VA) home loans are available to U.S. military active-duty service members, veterans that meet discharge criteria, some members of the Selected Reserve and certain categories of spouses.
These loans typically have better terms and lower rates than other mortgages. You’ll need a Certificate of Eligibility (COE) from the VA to qualify.
Is this the loan for me?
I want a loan that’s easier to qualify for than other loans
I want a loan that’s easier to qualify for than other loans
I’d like to have the option of paying no money down
I’d like to have the option of paying no money down
No surprises — estimate your payment
No surprises — estimate your payment
Know how much home you can afford. Just enter some basic information into the mortgage calculator below to estimate your total monthly payment, including principal and interest, fees and monthly property taxes.
Results from this calculation are hypothetical and are for illustrative purposes only. Calculators should be used as a self-help tool only and do not consider the impact of fees that may apply. Results may not be applicable to your individual situation and do not constitute an offer. We encourage you to seek advice and guidance from a qualified professional regarding all personal finance issues. Actual terms may differ.
At ease — with Ent’s home loans you’ll stress less
At ease — with Ent’s home loans you’ll stress less
90-day Lock & Shop rates1
Get pre-approved, lock in your interest rate and shop with confidence.
Lifetime loan support
We’ll be your contact for help. Have questions? You know who to call.
$500 guaranteed on-time closing2
You’ll close on your home on time, or we’ll owe you $500. Guaranteed.
Local expertise
With Ent, you’ve got local mortgage experts in your corner to guide you.

Ask a local expert
Ask a local expert
If you want to make sure a VA home loan is the best option for you, reach out to our mortgage experts. They’re happy to answer your questions, and have the local experience to recommend the best loan for your personal situation.
Get free homebuying resources and tools
Get free homebuying resources and tools
Take advantage of our free tools, useful articles and more. You’ll stress less having the know-how you need to confidently achieve your goal of homeownership.
What are the Differences: VA Loan vs Conventional Loan
Choosing the right credit union mortgage loan shouldn’t feel like decoding a secret manual. Yet when people first compare a VA loan vs a conventional loan, the jargon — funding fees, PMI, conforming limits — can stall the search before it starts. This guide strips away the haze by lining up the two products feature by feature. You will see how each loan handles down payments, credit scores, interest rates, and closing costs, and you’ll finish with a checklist that points you toward the option most likely to fit your budget, service record, and future plans.
How much do you need for a down payment on a house?
Understanding how much you may need for a down payment is an important part of the home-buying process. Your down payment amount not only can help you determine if you have enough money saved to purchase a house but can also affect your monthly payments going forward. Read this article to learn more about the down payment requirements for different home loans.
Adjustable-rate and fixed-rate mortgages
The interest rate on your mortgage will either be fixed or adjustable depending on what type of mortgage you choose. A fixed-rate mortgage means the interest rate will stay the same over the entire life of the loan. You will need to pay the same amount every month until the balance is paid off in full. With an adjustable-rate mortgage, the interest rate will vary at regular intervals, which means your monthly payment will also fluctuate. Both types of home loans will help you secure a piece of property, but they come with different terms and conditions that can affect your finances. Read this article to learn more about the difference between fixed-rate and adjustable-rate mortgages.
Buying a House in a Hot Market
Buying a home in a seller’s market can be challenging. While housing market conditions may be less than ideal, there are still benefits to buying a property versus renting. Use these tips to stay ahead of the competition and land the house you’ve always wanted.
VA loan eligibility requirements
If you are an Armed Forces member or veteran, you may qualify for the VA loan program. VA loans come with lower eligibility requirements to help service members and their families afford to buy a home even if they don’t have a lot of money in savings or a high credit score. You will need to ensure you meet all the VA loan requirements to get approved. Learn more about the VA loan requirements to see if you qualify.
Getting Pre-Approved for a Mortgage Loan: What You Need to Know
Are you ready to house hunt, but are wondering "How much mortgage can I afford?" Getting pre-approved for a mortgage can show sellers that you are a serious prospect and give you a leg up on other buyers who jump the gun by visiting open houses without even knowing their budget. In this market, where sellers are getting many offers including cash offers, a pre-approval can help you stand out as a buyer. When you have a documented pre-approval, the seller knows you will be able to get the funding you are offering for the home and you’ll be able to close more quickly and reliably.
Buying a Home for the First Time? How to Navigate Your Purchase
Nothing could be more exciting than buying your first home! After years of saving and renting, it’s finally time to be the master of your own domain. But buying a home can be much more complicated than you might realize. The asking price of the home is just one piece of the equation as you navigate this all-too-important purchase. From shopping for a mortgage to budgeting for unexpected costs, we’ll walk you through every step of the process.
Home Buying Process: Ten Major Steps to Buying a House
The decision to buy a home can be both exciting and terrifying all at the same time. Homeownership is what many of us strive for—to be able to have a home that we can call our own, as well as a real estate asset we can use to build our personal wealth. It is a big step to take. At the same time, though, the process of buying a house can be overwhelming. Understanding the step-by-step process in purchasing a home can help make the home-buying experience a more positive one for you and your family and can help reduce the additional stress that comes with big purchases in life.
VA home loan FAQs
VA home loans can help you purchase a home at a competitive interest rate, often without requiring a down payment or private mortgage insurance (PMI).
You may need to pay the VA funding fee. This one-time fee helps to lower the cost of the loan for U.S. taxpayers since the VA home loan program doesn’t require down payments or monthly mortgage insurance. Your lender will also charge interest on the loan in addition to closing fees.
The VA home loan program doesn’t require down payments or monthly mortgage insurance. You can buy a home with little to no savings using a VA loan.
You must meet your lender’s minimum standards for credit, income and any other requirements for your loan to be approved. VA does NOT require a minimum credit score, but most lenders will use a credit score to help determine your interest rate and to lower risk. Typically, lenders may want borrowers to have a minimum credit score.
VA loans are similar to conventional loans, except you may not need a down payment and you may still be able to qualify with a lower credit score. VA loans do not require mortgage insurance even with a low credit score, which can help you save money every month. They also tend to come with lower interest rates and lower monthly payments than conventional loans.
Yes, you can purchase a condo with a VA loan, but the condo must be VA-approved.
A Certificate of Eligibility (COE) is a document from the U.S. Department of Veterans Affairs (VA) that lets your lender know that you meet the necessary VA eligibility requirements to obtain a VA loan. You can contact the VA directly to request a COE or you can request one through their website. A DD214 form validating your military service record may be required as a part of the COE process.
* APR - Annual Percentage Rate: An annual percentage rate is a broader measure of the cost of borrowing money than the interest rate. The APR reflects the interest rate, any points, mortgage broker fees, and other charges that you pay to get the loan. For that reason, your APR is usually higher than your interest rate. Source: Consumer Financial Protection Bureau
All interest rates, qualification criteria and underwriting analysis is subject to the sole discretion of Ent Credit Union. This may include analysis of satisfactory insurance, appraisal and title reports. Additional conditions or exclusions may apply. Ent Credit Union reserves the right to cancel any offer or loan at any time.
1 Lock & Shop is available on fixed-rate mortgage loans, excluding all refinance types and CHFA loans. This allows you to shop for your home and close your loan, for a total of 90 days of rate increase protection, all at no cost to you. Additional conditions or exclusions may apply. Please refer to Ent’s Important Loan Information and Mortgage Rate Lock Information for more information.
2 $500 Mortgage Closing Guarantee is based on the mortgage loan closing date provided in the original sales contract. This guarantee is only available on purchase mortgage loans with closing dates set for a minimum of 30 days after the original purchase contract is signed. Loan closing date is subject to receipt of completed application and required supporting documentation. Required supporting documentation must be provided no less than two (2) business days after application receipt. Loan closing is subject to underwriting approval. Closing guarantee is not applicable if: a) borrower changes loan products or terms, b) closing is delayed due to seller’s failure to close on time, c) borrower fails to meet contract requirements, d) closing is delayed due to a third party requirement, including appraisal and inspection, e) closing date is not included in the contract, f) closing is delayed due to inclement weather or natural disaster, or g) loan documentation or application contains fraudulent information. Ent reserves the right to amend, terminate or withdraw this offer at any time without prior notice. Guarantee paid in the form of a $500 credit on the settlement form at closing.
Standard account and credit qualifications apply. All loans subject to final credit approval. Rates and terms are subject to change without notice and are dependent upon credit performance. Visit Ent.com/Legal to review Ent’s Important Loan Information and Disclosures.
Financing available on homes in Colorado. Property insurance is required. Consult a tax adviser for further information regarding deductibility of interest and charges.
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