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
A down payment may not be needed, depending on entitlement, appraisal and lender requirements. Closing costs and a VA funding fee may still apply.
No PMI
No private mortgage insurance — ever.
Competitive rates
Compare the full cost, including any funding fee and closing costs.
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 VA funding fee applies. The amount is set by the VA and varies with your down payment, service history and whether this is your first VA loan. It can usually be rolled into the loan, and veterans with service-connected disabilities may be exempt.
VA loan limits
Full VA entitlement removes the VA loan-limit cap, but the lender still evaluates affordability, credit and the appraisal. Remaining entitlement and lender requirements can affect the amount available and any down payment.
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
Financing for eligible veterans and service members countywide.
- Mortgage broker in Sussex County, NJ
No down payment for eligible veterans, including on rural parcels.
- Mortgage broker in Union County, NJ
Financing for eligible veterans and service members countywide.
- Mortgage broker in Bergen County, NJ
Financing for eligible veterans and service members in a high-cost county.
- Mortgage broker in Middlesex County, NJ
Financing for eligible veterans and service members countywide.
- Mortgage broker in Monmouth County, NJ
Financing for eligible veterans and service members, including near the Earle and Lakehurst area commands.
- Mortgage broker in Ocean County, NJ
Financing for eligible veterans and service members, including the Joint Base area.
- Mortgage broker in Passaic County, NJ
Financing for eligible veterans and service members countywide.
- Mortgage broker in Mercer County, NJ
Relevant for the county's veteran and Joint Base-adjacent population.
- Mortgage broker in Burlington County, NJ
Heavily used across the Joint Base MDL area — zero down for eligible borrowers.
- Mortgage broker in Camden County, NJ
Financing for eligible veterans and service members throughout the county.
- Mortgage broker in Gloucester County, NJ
Used by the county's veteran population, including Joint Base-adjacent households.
- Mortgage broker in Cumberland County, NJ
Zero-down financing for eligible veterans, including on rural parcels.
- Mortgage broker in Salem County, NJ
Zero down for eligible veterans, common in this part of the state.
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.