VA Loan

A VA loan is a mortgage that is guaranteed by the U.S. Department of Veterans Affairs (VA). The VA helps active military, veterans and eligible surviving spouses become homeowners by enabling VA-approved lenders to offer loans with these benefits:

  • No down payment required*
  • No Private Mortgage Insurance premium (PMI)
  • No Monthly Mortgage Insurance premium (MMI)
  • Flexible credit, income and asset requirements
  • Very competitive rates
  • Allows for use of gifts for closing costs and prepaid fees
  • Allows for a seller concession of up to 4% of the sales price for buyer’s closing costs
  • No pre-payment penalties
  • The buyer may only be charged the fees and other charges prescribed by
  • VA as allowable
  • Loans are also available to reservists and surviving spouses.
  • Down payment assistance programs available for qualified buyers.

Who is Eligible for a VA Loan?

  • Active military (including members of the National Guard or Reserves)
  • Veterans
  • Eligible surviving spouses

You must also meet credit and income requirements and have a valid Certificate of Eligibility (COE).

ZABE Mortgage is a VA-approved lender with more than 16 years of experience. Call ZABE Mortgage or apply online to learn more about VA loans.

*As long as the sales price does not exceed the appraised value.

Loan Options

We offer a number of loan programs that may be right for you. Count on your ZABE Mortgage loan professional to help you select the best one.


Conventional loans are available as fixed-rate or adjustable-rate mortgages. Find out if a Conventional loan is right for you.
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Get started with an FHA loan and finance your home with down payments as low as 3.5%.
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If you're active military, veteran, or eligible surviving spouses, start your quote for a VA Home Loan today!
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The USDA Guaranteed Loan Program provides one of the most affordable loan programs to Americans today. See if you qualify for 100% financing and no money down.
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Jumbo Loans

In the market for a higher-priced luxury home? We can help you dream big with a Jumbo Home Loan.
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Down Payment Assistance

We can help you discover the available programs and provide you with the understanding of how down payment assistance programs may benefit you.
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Home Equity Loan (HELOAN)

A HELOAN, a second mortgage, uses home equity as collateral for a lump sum loan with fixed interest, requiring monthly payments.
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Home Equity Line of Credit (HELOC)

A HELOC, a second mortgage, offers a flexible credit line using home equity for expenses. It has draw and repayment phases with variable interest rates.
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Are You Really Ready To Get Started?

Here is a video to help you answer this question. If at the end of this video you feel like you have answered “Yes” to all of the questions, fill out the form below or give us a call today at (559) 664-1930.

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