Privacy Policy Purchase with 0 Down While many loans are increasing the required down payment VA is still offering a loan that requires a 0 down payment.  No Annual Mortgage Insurance Required Unlike FHA and low down payment conventional loans the VA loan does not require annual mortgage insurance.  Lower Monthly Payments Lower rates and no mortgage insurance means lower monthly payments.  Qualifying is Easier VA home loans offer relaxed guidelines over conventional loans making qualifying easier.  Are you eligible? Call us at 800.992.1900 and we can review your qualification and even order your Certificate of Eligibility directly with the VA.  You can also complete our on-line application or our simple pre-qualification form.   Apply Now --> Haven West Mortgage is a division of Golden Empire Mortgage and is licensed by the Department of Corporations under the California Residential Mortgage Lending Act, license number DOC-153697.  Haven West Mortgage is an ‘Equal Opportunity Lender’.  NMLS #153697 Call us toll free: (800) 992-1900