Programs
VA Standard

VA Standard

Min. FICO 580
Up to 100% CLTV

Program Overview:

Honoring military members with 100% financing and zero monthly mortgage insurance.

Broker Advantage:

  • Zero Down: 100% financing for purchases.
  • Monthly Savings: Save hundreds with No Monthly PMI.
  • True 100% Financing: No down payment and no loan limits for Veterans with full entitlement.

Technical Specifications:

  • FICO: Entry starting at 580.
  • LTV: 100% LTV (Zero Down).
  • Ratios: No set DTI cap; qualifies via Residual Income.
  • Loan Limits: No maximum for eligible Veterans.
  • Entitlement: Instant COE retrieval.

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DSCR FAQ

Who is eligible for VA loans?

Eligible veterans and service members.

Is a down payment required?

No.

Are gift funds allowed?

Yes.

What credit score is required?

Typically 580 minimum.

What properties are eligible?

Primary residences.

Exlpore more VA Standard Loan Programs

FHA Standard

Min. FICO 580
Up to 97.75% CLTV
  • FICO: Minimum 580 for max financing.
  • LTV (Purchase): Industry-standard 96.5%.
  • Ratios: Often exceeds 55% DTI with compensating factors.

VA IRRRL

Min. FICO 580
Up to 110% CLTV
  • LTV: No LTV limit; based on existing VA balance plus costs.
  • FICO: Focus on Net Tangible Benefit rather than a specific score.
  • Ratios: No DTI calculation required.

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1(833) 553-0505
21800 Burbank Blvd Suite
#100, Woodland Hills, CA 91367
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Legions Capital, Inc. is an Equal Housing Lender. NMLS ID #1553947. 21800 Burbank Boulevard, Suite 100, Woodland Hills, CA 91367. 818-818-483-4542. State Licensing: Legions Capital, Inc. is licensed by: AZ #BK-2008712 “Arizona Mortgage Banker License”; CA #60DBO-64540 “Licensed by the Department of Financial Protection and Innovation under the California Financing Law”; CO “Mortgage Company Registration”; CT #ML-1553947 “Mortgage Lender License”; FL #MLD2349 "Mortgage Lender Servicer License"; GA #1553947 “Mortgage Lender License/Registration”; MI #FL0026913 “1st Mortgage Broker/Lender Registrar”; OR #1553947 “Mortgage Lending License”; PA #116958 "Mortgage Lender License"; SC-BFI #MLS-1553947 “Mortgage Lender/Servicer License”; TN #1553947 ”Mortgage License”; TX-SML “Mortgage Banker Registration”; WA #CL-1553947 “Washington Consumer Loan Company License”; WI #1553947BR “Mortgage Banker License”. Verify our licenses at: www.nmlsconsumeraccess.org. Texas Consumers: Click here to view the Texas Consumer Complaint & Recovery Fund Notice. Availability: Loan approval and rates are dependent upon applicant’s credit, collateral, financial history, and program availability at time of origination. Programs and rates are subject to change without notice and may or may not be available at the time of loan commitment or lock-in.
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