VA loans are offered to past and present military members. This loan type will allow a veteran to finance 100% of the purchase price and not carry any monthly mortgage insurance. Funding fee is required for all except for Disabled Veterans. VA financing can also be offered to reservists who already have put in six years of service. Zero down payment even with Veterans with Low Fico Scores. Full income verification is required and a copy of your Certificate of Eligibility (COE) will be required as well to establish the Veterans eligibility.