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Zero Down for Heroes

A Guaranteed Rate Loan Program for Veterans

No down payment or PMI for US Veterans and active-duty service members.*

  • Forgiving VA credit standards
  • 100% equity cash out refi option
  • Competitive rates
  • Conforming loans only
  • Primary residence only
  • First-time homebuyer counseling required
  • Loan limit can’t exceed county loan limits

Do you Qualify?

  • Primary Residence only
  • Loan limit can't exceed county loan limits

Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

*Assumptions: Sample monthly payment of $912 is based on a loan amount of $200,000, 100% LTV, 30-year fixed rate mortgage and rate of 3.625%/3.98% APR (annual percentage rate). Sample rate provided as of 11/17/2017. Assumes a first lien position and are subject to change without notice. Subject to underwriting guidelines and applicant’s credit profile. Sample payment does not include taxes, insurance, assessments or VA funding fee (max VA funding fee of 3.3%). Actual payment obligation will be greater. Not all borrowers will be approved. Borrower’s interest rate will depend upon the specific characteristics of borrower’s loan transaction, credit profile and other criteria. Contact Guaranteed Rate for more information and up to date rates.


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All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.