VA Loans

At Broadview Lending powered by Barrett Financial LLC, we proudly serve those who've served our country. Our 2025 VA Loan offerings help veterans, active-duty service members, and surviving spouses access home financing with unmatched benefits, including no down payment, no monthly mortgage insurance, and other veteran-focused advantages.

What Makes VA Loans Unique in 2025

No Loan Limits (With Full Entitlement)
Thanks to updates including the Blue Water Navy Vietnam Veterans Act, borrowers with full VA entitlement can purchase homes of any price point—without a down payment—regardless of county-specific limits
Loan Limits Still Matter (If Entitlement is Partial)
If you’ve used some of your entitlement, limits still guide how much you can borrow without a down payment. In 2025, standard baseline VA loan limits range from $806,500 up to $1,209,750 in high-cost areas
Funding Fee — But Some Exemptions Apply
A one-time VA funding fee applies (typically between 2.15% and 3.3%) and may be rolled into your loan. Veterans with certain service-related disabilities or Purple Hearts may qualify for a waiver
Flexible Credit and Debt Guidelines
The VA has no minimum credit score requirement, though most lenders ask for 620 or higher. Standard debt-to-income (DTI) ratios hover around 41%, but lenders may consider higher DTIs depending on your overall profile

Top Benefits of VA Loans

Zero Down Payment Required – Access homeownership without a hefty upfront cost
No Private Mortgage Insurance (PMI) – Unlike conventional loans, VA loans eliminate pricey monthly insurance burdens
Typically Lower Interest Rates & Costs – Enjoy more affordable financing with government backing
Assumable by Buyers – In a hot market, this feature can make your listing highly appealable

Why Choose Broadview Lending powered by Barrett Financial LLC?

Expert guidance through VA entitlement—whether full or partial.
Help navigating funding fees and possible waivers for eligible veterans.
Seamless processing and access to best-in-class lenders.
Compassionate, veteran-first service because your service matters most.