VA Loans · Virginia

VA Loans in Virginia: $0 Down, No PMI.

Whether you're stationed at Fort Barfoot, separating near Richmond, or a veteran buying in Virginia Beach, Sean Shallis is a U.S. Army Veteran and VA loan specialist who originates in all 50 states.

$0 down. No PMI. No minimum credit score. Sean originates through a national portfolio lender, with the same underwriter from application to close.

Check My VA RateBook Strategy Call
90-second rate check No credit impact Free forever
VA Lending in Virginia

Virginia veterans deserve a lender who served too.

Sean Shallis is a U.S. Army Veteran, VA loan specialist, and Senior Loan Officer at one of the largest banks in the United States. With 30+ years of mortgage expertise and over $1B in closed transactions, he knows how to maximize your VA benefit, whether you're buying your first home or refinancing with an IRRRL. For VA construction, he can connect you with a trusted partner.

Serving veterans near Fort Barfoot, Naval Station Norfolk, and 3 more Virginia installations. Sean handles everything: COE retrieval, entitlement restoration, funding fee exemption verification, so you can focus on finding your home.

01
Talk to Rosie
Tell Rosie about your Virginia home search, refinance, or IRRRL. 90 seconds, no forms, no credit impact.
02
Rosie Watches
Rosie monitors Virginia VA rates multiple times a day. She knows your entitlement status and alerts you when savings windows open.
03
Sean Closes It
When the window opens, Sean calls you personally. Veteran to veteran. One phone call. White glove. One file, one underwriter, application to close.

Active Duty in Virginia

Stationed at Fort Barfoot? PCSing soon? Lock in your rate and close before you move.

Separated & Retired Veterans

Living in Richmond or Virginia Beach? Your VA benefit never expires. Use it again: zero down.

VA IRRRL Refinance

Already have a VA loan in Virginia? The IRRRL streamline lets you drop your rate with minimal paperwork and no appraisal.

VA Construction Loans

Looking for a VA one-time close? Let's talk. I offer other one-time close construction programs, and if VA is the right fit, I'll connect you with a trusted partner who does it.

$0
Down Payment

100% financing, no down payment required

$0
PMI, Ever

No private mortgage insurance at any LTV

None
Min. Credit Score

No VA-mandated minimum credit score

$0
Prepayment Penalty

Pay off early with zero penalty

Sean vs. Typical Virginia VA Lenders

Most Virginia lenders process VA loans. Sean strategizes them: veteran to veteran.

Feature
Working With Sean
Typical VA Lender
Portfolio lender (keeps your loan)
Not included
AI rate monitoring (Rosie)
Not included
Veteran-to-veteran relationship
Not included
VA construction referrals to trusted partners
Not included
Physician + VA combination programs
Not included
Free rate renegotiation before funding
Not included
Loan recasting for $250
Not included
Available nationwide
Not included

Serving Veterans Across Virginia

Sean works with veterans near every Virginia military installation and VA facility.

Fort Barfoot

VA loans available for service members and veterans near Fort Barfoot.

Naval Station Norfolk

VA loans available for service members and veterans near Naval Station Norfolk.

Joint Base Langley-Eustis

VA loans available for service members and veterans near Joint Base Langley-Eustis.

Quantico

VA loans available for service members and veterans near Quantico.

Pentagon

VA loans available for service members and veterans near Pentagon.

Hunter Holmes McGuire VA Medical Center

Veterans receiving care here may qualify for disability-related funding fee exemptions.

Hampton VA Medical Center

Veterans receiving care here may qualify for disability-related funding fee exemptions.

Salem VA Medical Center

Veterans receiving care here may qualify for disability-related funding fee exemptions.

Richmond, VA

VA home loans available for veterans buying or refinancing in Richmond.

Virginia Beach, VA

VA home loans available for veterans buying or refinancing in Virginia Beach.

Arlington, VA

VA home loans available for veterans buying or refinancing in Arlington.

VA Loan FAQ: Virginia

Who is eligible for a VA loan in Virginia?
Veterans, active-duty service members, National Guard and Reserve members with qualifying service, and eligible surviving spouses. If you served at Fort Barfoot or anywhere else, your benefit works nationwide. Sean can pull your COE electronically in minutes.
How do I get my Certificate of Eligibility (COE)?
You don't need to request it yourself. Sean pulls your COE electronically through the VA's system as part of the process. It takes minutes, not weeks. He'll also verify your entitlement amount and any funding fee exemptions.
Can I use my VA loan benefit more than once in Virginia?
Yes. There's no limit to how many times you can use your VA benefit. You can even have two VA loans simultaneously if you have remaining entitlement. Sean specializes in helping Virginia veterans restore and strategically reuse their entitlement.
What is the VA funding fee and can I avoid it?
The funding fee is a one-time charge (1.25% to 3.3%) that can be rolled into your loan. Veterans with a service-connected disability rating of 10% or more are fully exempt. Sean verifies your exemption status upfront, if you're receiving care at a VA medical center for a service-connected condition, you likely qualify.
I'm a veteran AND a physician. Can I combine benefits?
Absolutely: this is Sean's specialty. As both a VA loan specialist and physician lender, he structures loans that leverage both benefits. Veteran physicians often get better rates, higher limits, and more flexible terms than either program alone.
What is the VA IRRRL and can I use it in Virginia?
The IRRRL (Interest Rate Reduction Refinance Loan) lets you refinance your existing VA loan with minimal paperwork, no appraisal, and often no out-of-pocket costs. If you have a VA loan in Virginia, Rosie monitors your rate daily and alerts you the moment an IRRRL saves you money.
Can I build a home in Virginia with a VA loan?
Looking for a VA one-time close? Let's talk. I offer other one-time close construction programs, and if VA is the right fit, I'll connect you with a trusted partner who does it.

Ready to use your VA benefit in Virginia?

90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean: veteran to veteran.

Check My VA RateBook Strategy Call
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VA Loans: All States|Rate Guardian|About Sean