Government-Backed · For Those Who Served

VA Loans in New Jersey

For eligible veterans, active-duty service members, and surviving spouses, the VA loan is one of the strongest mortgages available — zero down, no monthly mortgage insurance, and competitive rates, all backed by the Department of Veterans Affairs.

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See what zero down looks like

No obligation — get your estimated price range and monthly payment, powered by our lending partner, Bond Street Mortgage.

VA loans at a glance

A benefit you earned

$0
No down payment required for eligible borrowers with full entitlement.
No PMI
VA loans carry no monthly mortgage insurance — a major monthly savings versus FHA or low-down conventional.
No cap
With full entitlement, there's no VA loan limit — you can buy above conforming limits with no down payment, subject to lender approval.

A one-time VA funding fee applies (it can be financed and is waived for veterans receiving compensation for a service-connected disability). Terms are set by the VA and lender and change periodically — confirm with Bond Street.

Why it's hard to beat

Built for those who served

Nothing down

Eligible buyers can finance 100% of the purchase price — no down payment needed with full entitlement.

No monthly mortgage insurance

Unlike FHA and low-down conventional loans, VA loans never charge monthly PMI, lowering your payment.

Assumable loans

VA loans are assumable, so a qualified buyer may take over your rate later — valuable when rates are higher.

Reusable benefit

Your VA entitlement can be restored and used again on future purchases once a prior VA loan is paid off.

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Eligibility

Who qualifies

  • Eligible veterans, active-duty service members, National Guard, and Reserves who meet service requirements
  • Certain surviving spouses of service members may also qualify
  • A Certificate of Eligibility (COE) confirms your entitlement — your lender can help you obtain it
  • The home must be your primary residence
  • Standard credit, income, and appraisal review by the lender; the property must meet VA condition standards

Common questions

VA loan FAQs

Do I really need zero down?

Eligible borrowers with full entitlement can finance 100% of the purchase price with no down payment. Putting money down is optional and can reduce or eliminate the funding fee.

Is there mortgage insurance on a VA loan?

No monthly mortgage insurance — that's one of the VA loan's biggest advantages. There is a one-time funding fee, which can be financed into the loan and is waived for veterans receiving compensation for a service-connected disability.

Is there a VA loan limit?

Not for borrowers with full entitlement — you can buy above conforming limits with no down payment, subject to the lender's approval. Limits can apply if you have reduced entitlement from an existing VA loan.

How do I prove eligibility?

Through a Certificate of Eligibility (COE) based on your service. Start your pre-approval and your lender can help you request it.

Our trusted lending partner

Bond Street Mortgage

We work hand-in-hand with Bond Street Mortgage, serving Bergen, Passaic, Morris, Hudson, and Essex counties. Their team coordinates with us from pre-approval through closing.

Talk to the team

Put your VA benefit to work

Reach out and we'll connect you with the right loan path and a pre-approval that holds weight in a competitive market.

(201) 240-5200  ·  chopper@chopperrussoteam.com
Check your buying power

RE/MAX Select — Chopper Russo Team. Thomas "Chopper" Russo, 392 Ramapo Valley Rd, Oakland, NJ 07436. Not a commitment to lend. VA loan products, the funding fee, rates, and approval are provided by Bond Street Mortgage and the U.S. Department of Veterans Affairs subject to their terms and qualification.

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