Marcus Wright Mortgage
Español (682) 403-3406 Apply now
Buying a home

VA mortgage

The short answer A VA-backed purchase loan serves eligible service members, Veterans and certain surviving spouses. Eligible scenarios can require no down payment and carry no monthly mortgage insurance, though a funding fee may apply unless you're exempt. A Certificate of Eligibility (COE) helps show benefit eligibility, but the lender still reviews credit, income, occupancy and the property.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

  • You are a service member, Veteran or eligible surviving spouse.
  • You plan to live in the home as your primary residence.
  • You have used your VA benefit before and want to know if you can use it again.

Tradeoffs to weigh

  • A funding fee may apply unless you're exempt.
  • A COE is not a loan approval; credit, income and the property are still reviewed.
  • No down payment does not mean no closing costs.

What to have ready

  • Whether you have a Certificate of Eligibility, or need help getting one.
  • Whether you have used a VA loan before and still own that home.
  • Your price range and the area where you're buying.
  • How you're paid and your main monthly debts.
  • Don't send documents by email or chat; Marcus sends a secure link when it's time.

Questions people ask

Does a COE mean I am approved?

No. It establishes benefit eligibility information, not final credit or property approval.

Can I use VA again?

Potentially. Your remaining or restored entitlement and the new transaction must be reviewed.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

Start my applicationTalk to Marcus

Related topics

Conventional mortgage Low-down-payment conventional loan (Conventional 97) HomeReady Home Possible FHA mortgage USDA-backed home loan See the loan programs All topics

Sources

Official program and consumer sources this page is based on. Lender rules can be stricter than these.

Marcus Wright
Who you'll work with

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

Check my license on NMLS Consumer Access

I aim to get back to you within a few working hours, often sooner.

Se habla español. Every page and form here works in Spanish.

How it works

  1. 1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
  2. 2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
  3. 3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.
Contact

Let's talk about your loan.

Call, book a time, or send a quick note. Whatever's easiest.

(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

Hours Weekdays 8 a.m.–8 p.m. Central. Weekends 11 a.m.–7 p.m. Central by appointment.

I aim to get back to you within a few working hours, often sooner.

Tell me about your loan