Your VA benefit vs conventional

Your earned benefit,
fully used.

Zero down, no monthly mortgage insurance, and a benefit you earned - here is the path from eligibility check to move-in day, nine steps, so you always know what's next.

Your VA milestone journey

Step 1

Check eligibility

Confirm VA eligibility through your Certificate of Eligibility - active-duty, veterans, Guard, Reserve, and certain surviving spouses may qualify.

Eligibility phase

Step 2

Get pre-approved

VA pre-approval in hand before you shop - including a full comparison to conventional loan alternatives.

Pre-approval

Step 3

Find your agent

Partner with a VA-savvy Realtor who knows how to make VA offers competitive in a multiple-offer market.

Team assembled

Step 4

House hunt

Shop with confidence knowing your entitlement, your budget, and exactly what the VA benefit covers.

House hunting

Step 5

Make an offer

Your Realtor writes a strong offer; VA offers can be highly competitive when presented correctly to sellers.

Offer phase

Step 6

VA appraisal

The VA orders its own appraisal to confirm value and ensure the home meets VA minimum property standards.

Appraisal

Step 7

Underwriting

The lender reviews your file for VA credit and income requirements - respond to conditions quickly.

Underwriting

Step 8

Clear to close

Final checks before signing, including a last employment verification; keep income and orders steady until the keys.

Final checks

Step 9

Move in

Keys in hand - you've used your earned benefit fully, and entitlement can often be restored and reused.

Move-in day

Entitlement facts

Program-level facts about your VA entitlement - not a quote for your loan.

No VA-set loan limit*

With full entitlement, the VA does not set a loan limit. *Lender-imposed limits may still apply.

Reusable

Entitlement restores after the loan is paid in full or the home is sold.

COE

Your Certificate of Eligibility confirms your entitlement amount.

Assumable

A future buyer may assume your VA loan with lender approval.

See your own numbers - free

Scan the code or reach out. We run your VA vs conventional comparison: zero-down path, no-PMI savings, funding fee impact, and your entitlement picture - no obligation.

Scan for your personalized VA loan analysis

Scan to start

{{compliance.pendingLabel}} Equal Housing Opportunity. {{lo.company}}, NMLS #{{lo.nmls}} (Company NMLS #{{compliance.companyNmls}}). Figures and the example household are hypothetical and for illustration only; not an offer, quote, or guarantee. Appreciation, income, and tax treatment vary and are not guaranteed. This co-marketed material is shared by each party at its fair-market-value cost consistent with RESPA Section 8; no party pays for referrals. Consult a tax advisor. NMLS Consumer Access: www.nmlsconsumeraccess.org. CrossCountry Mortgage, LLC is a private lender and is not affiliated with, acting on behalf of, or endorsed by the U.S. Department of Veterans Affairs, HUD, FHA, or any government agency. A VA funding fee may apply and varies by service category, down payment, and prior use of the benefit; some borrowers, such as those receiving VA disability compensation, may be exempt. All loans are subject to VA eligibility, credit approval, and underwriting; not all applicants will qualify.