Government
VA Loans
A benefit earned through service — zero down payment financing for eligible veterans and active military.
Overview
VA loans are backed by the Department of Veterans Affairs and offer eligible active-duty service members, veterans, and surviving spouses a path to homeownership with no down payment and no monthly mortgage insurance. It is one of the most powerful loan programs available, designed to reward those who have served. With competitive rates and flexible qualification, VA loans help military families achieve homeownership without the barrier of a large down payment.
Who It May Fit
Active-duty service members, veterans, National Guard, reservists, and qualifying surviving spouses.
Potential Benefits
- No down payment required
- No monthly mortgage insurance
- Competitive fixed and adjustable rates
- Lower out-of-pocket closing costs (sellers can pay eligible fees)
- Assumable by future qualified buyers
- No minimum credit score set by the VA
Important Considerations
- Requires a Certificate of Eligibility (COE)
- Funding fee applies (may be financed; reduced with down payment)
- Limited to primary residences
- Property must meet VA minimum property requirements
VA Loans Specialists
Brett Roesch
Mortgage Loan Officer
Brett Roesch is a dedicated Senior Loan Officer and military veteran committed to helping families achieve the American dream of homeownership. With personal experience using VA benefits, he specializes in guiding servicemembers and local residents through the lending process in Washington and Oregon.
4.99(176)GoogleZillowKahren Oxner
Founder & CEO
Kahren founded One Eleven Mortgage to provide clients and realtor partners with unmatched options and a personal, boutique experience. With years of experience across conventional, government, and Non-QM lending, she specializes in complex scenarios — investors, self-employed borrowers, and ITIN financing.
Angela Valdez
Operations Manager Mortgage Loan Officer
With over 16 years of experience, I am dedicated to helping families across Oregon and Washington achieve their homeownership dreams. As a Loan Officer and Branch Operations Manager at One Eleven Mortgage, I combine deep expertise with personalized care to ensure a seamless lending experience.
Next Step
See if It Fits Your Goals
Connect with a One Eleven loan officer to review eligibility, structure, and next steps.