The strongest loan most eligible buyers can use
Eligible veterans and service members can buy here with zero down and no monthly mortgage insurance. I am a Navy veteran, so this is the one I walk people through most.
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The strongest loan most eligible buyers can use
A VA home loan in Georgia lets eligible veterans, active-duty members, qualifying Guard and Reserve members, and some surviving spouses buy a home with zero down payment and no PMI. The VA guarantees part of the loan so a private lender can offer those terms.
The number to know is the funding fee: 1.25 to 3.3 percent of the loan amount, based on the down payment and prior use. A 10 percent disability rating waives it.
How it works and who qualifies
- Zero down with full entitlement
- No private mortgage insurance, ever
- First-position 30-year fixed is common
- Funding fee waived at 10%+ disability
- Primary residence only, occupy in 60 days
- Most lenders want a 620+ credit score
- Reusable benefit after you pay it off
- Surviving spouse needs DIC eligibility
- Get your COE through VA.gov first
What this means in Clayton
Clayton has many veterans thanks to the Gillem Enclave, MEPS, and the Reserve units. The VA appraisal is not a home inspection, so on flipped Clayton inventory, never skip a licensed inspector.
The VA first mortgage stacks with Georgia Dream, Clayton County DPA, and the disabled veteran homestead exemption. It will not stack with FHA or conventional.
Zero down, no PMI, and a benefit you can use again. The catch most people miss is the funding fee.
Southlake Mall and the Tara Boulevard retail corridor
Local restaurants and cafes across Clayton County
Parks, golf, and community recreation nearby
Clayton County International Park and area trails
See what your VA payment looks like at Clayton prices
