Two separate VA loan features work together to eliminate your out-of-pocket costs entirely. Here's exactly how it works.
Most buyers don't know this — but VA loan rules allow you to ask the seller to pay your closing costs as part of your purchase offer. This is called a seller concession.
Our veteran agents are experts at writing offers that include seller concessions while still being competitive — especially in the Phoenix Metro and Luke AFB market where we know exactly what sellers will accept.
* Seller must agree to concessions. Success depends on market conditions and negotiation. Subject to VA loan approval.
See what your monthly payment could be with a VA loan vs a conventional loan — and how much you save with $0 down and no PMI.
Calculator provides estimates only. Contact us for actual rate quotes. Not a commitment to lend.
Tell us about your service. We confirm your VA entitlement in minutes.
We pull credit, verify income, and issue a full pre-approval letter in 24 hours.
Shop with confidence. We negotiate seller concessions into every offer.
We order the appraisal and guide you through VA Minimum Property Requirements.
We coordinate title, lender, and agent for a smooth, on-time closing.
Tell us about your service and we'll confirm your VA eligibility, check your entitlement, and get you pre-approved — all within 24 hours.
We closed with literally $0 out of pocket. They negotiated seller concessions to cover every closing cost. I used my VA benefit and kept my savings completely intact.
I separated from the Army not knowing my VA benefit still worked. They walked me through everything — $0 down, seller paid closing costs. I'm a homeowner now.
PCS orders came in and I was worried about having cash for a down payment. They told me I didn't need any. Closed in 28 days, $0 out of pocket.
Check your VA eligibility in 2 minutes. Pre-approval in 24 hours. Keys in hand before you know it.
Available 7 days a week · No obligation · Subject to VA loan approval and seller concession agreement
$0 Down / $0 Closing Cost Guarantee Disclosure: Zero down payment available to eligible veterans and active duty service members using VA loan benefit. Zero closing costs subject to seller agreeing to pay concessions as negotiated in the purchase contract; not guaranteed on every transaction. VA funding fee may apply and can be financed. Buyer may be responsible for home inspection fees, earnest money deposit, and other items not covered by seller concessions. Results vary by transaction and market conditions.
Veteran Home Advantage originates VA loans in partnership with Barrett Financial Group, LLC | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AZ MB-0904774 | Licensed in AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Not licensed in New York. Equal Housing Opportunity | This is not a commitment to lend. All loans subject to credit approval.