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lets talk about some of the pros and cons of the va home loan well start with the number one pro most vets already know its a zero money down home loan number two the va home loan has lower interest rates than both conventional or fha loans number three theres no private mortgage insurance which can save you hundreds of dollars on your mortgage payment every single month now on the flip side the number one con for the va home loan is the va funding fee which in 2022 is 2.3 of your total loan amount for first-time buyers or veterans without at least a 10 disability rating this can add thousands of dollars to your purchase but it can be financed in with the loan the second con for the va home loan is it can only be used to purchase your primary residence and the third con is that the va appraisal requires all homes to be safe sound and sanitary which means its not a good option for purchasing whats known as a fixer home now for me the va home loan is still one of the best options f