VA Loans in New Jersey, Pennsylvania & Florida
VA loans offer the strongest mortgage benefits available to those who served: zero down payment, no PMI, and competitive rates. You've earned it.
Zero down payment
100% financing with no down payment required.
No PMI
No private mortgage insurance — ever.
Competitive rates
Often lower rates than conventional loans.
Flexible credit
More lenient credit requirements for veterans.
What is a VA loan?
VA loans are guaranteed by the U.S. Department of Veterans Affairs. That guarantee lets private lenders offer favorable terms to eligible veterans, active-duty members, and surviving spouses.
Established in 1944 as part of the GI Bill, the program has guaranteed over 24 million loans. True zero-down financing with no monthly mortgage insurance is a core benefit of the program.
VA funding fee
A one-time funding fee of 1.25%–3.3% applies, depending on down payment, service history, and whether it's your first VA loan. It can be rolled into the loan, and veterans with service-connected disabilities may be exempt.
VA loan limits
Veterans with full entitlement have no VA loan limit — you can finance any price with no down payment. Reduced entitlement means county limits apply.
Who qualifies & how to start
Who qualifies
- 90 consecutive days of active service during wartime
- 181 consecutive days of active service during peacetime
- 6 years in the National Guard or Reserves
- Surviving spouse of a service member lost in the line of duty or to a service-related disability
- Current active-duty members
Getting your COE
- You'll need a Certificate of Eligibility (COE)
- We help you obtain it through the VA online portal
- Veterans: DD-214
- Active duty: Statement of Service
- National Guard: NGB Form 22
Questions, answered
New Jersey counties where borrowers use this program
Ai Remco LLC is a licensed New Jersey mortgage broker serving borrowers throughout the state. These county pages explain how this program fits local property types, price ranges and municipalities.
- Mortgage broker in Warren County, NJ
Eligible veterans and service members can buy with no down payment, including in rural Warren County.
- Mortgage broker in Morris County, NJ
Zero-down purchasing power for eligible veterans in a high-competition market.
- Mortgage broker in Bergen County, NJ
No-down-payment financing for eligible veterans in a high-cost county.
- Mortgage broker in Monmouth County, NJ
Relevant countywide, including for the Earle and Fort Monmouth-area veteran population.
See the full New Jersey mortgage broker hub for all 21 counties.
Ready to use your VA benefit?
Thank you for your service. Get a personalized VA estimate or speak with a licensed loan officer.
Ai Remco LLC, NMLS #2560393. Licensed mortgage broker. This page is for general information only and is not a commitment to lend. All loan applications are subject to credit approval, property appraisal, income and employment verification, and underwriting. Rates, terms, and availability are subject to change without notice and vary by borrower. Equal Housing Opportunity. See our Licensing & Disclosures page.