What should Pennsylvania veterans know about the VA loan?

The short answer

No down payment, no monthly mortgage insurance, and a reusable entitlement. The funding fee and the certificate of eligibility are the two details to plan for.

5 min read

Why it is often the strongest option

For eligible service members, veterans, and certain surviving spouses, the VA loan combines no required down payment with no monthly mortgage insurance, which lowers the payment meaningfully compared with other low down payment programs.

Rates are typically competitive, and the entitlement can be restored and used again after a sale or, in some cases, used for a second property.

Plan for these two items

The funding fee varies by service category, down payment, and whether this is a first use. It can be financed, and it is waived for veterans receiving compensation for a service connected disability.

You will need a certificate of eligibility. It is usually obtained quickly, and starting it early keeps it from becoming the item everyone waits on.

Corie Adams Lending Team

Corie Adams
Producing Branch Manager · NMLS #1875205
Network Funding, LP · NMLS ID #2297

Equal Housing Opportunity Lender
Mortgage Solutions
Company
Borrower Resources

Disclaimers, assumptions, and state licenses

Corie Adams Lending Team is a branch of Network Funding, LP. Network Funding, LP, NMLS ID #2297, is an Equal Housing Opportunity Lender. Licensing and state disclosures are available through Disclosures & Licensing and NMLS Consumer Access (www.nmlsconsumeraccess.org). This website is not a commitment to lend. Rates, programs, payments, and qualification requirements are subject to change without notice and may vary based on individual circumstances.

© 2026 Corie Adams Lending Team · Network Funding, LP. All rights reserved.

Payment examples shown on this site are illustrative only.