VA Loans Who can qualify? Active Duty, Reserves & National Guard, Unmarried Surviving Spouse, and Honorably Discharged Veterans. Unique to VA Loans: No down payment required Residual income must be adequate and calculated based on region and size of family. Loan Guarantee Certificate Issued at closing VA Funding Fee can be financed Home Purchase, IRRRL, Cash-out refinance Call us today to get qualified!