VA Loans · New York

VA Loans in New York — $0 Down, No PMI.

Whether you're stationed at Fort Drum, separating near New York City, or a veteran buying in Buffalo — 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 Rate Book Strategy Call

90-second rate check No credit impact Free forever

VA Lending in New York

New York 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, refinancing with an IRRRL, or building from the ground up.

Serving veterans near Fort Drum, West Point, and 1 more New York installations. Sean handles everything — COE retrieval, entitlement restoration, funding fee exemption verification — so you can focus on finding your home.

Talk to Rosie

Tell Rosie about your New York home search, refinance, or IRRRL. 90 seconds, no forms, no credit impact.

Rosie Watches

Rosie monitors New York VA rates multiple times a day. She knows your entitlement status and alerts you when savings windows open.

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 New York

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

Separated & Retired Veterans

Living in New York City or Buffalo? Your VA benefit never expires. Use it again — zero down.

VA IRRRL Refinance

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

VA Construction Loans

Building in New York? Single-close construction-to-permanent. Zero down. No PMI. One closing.

Down Payment

100% financing — no down payment required

PMI — Ever

No private mortgage insurance at any LTV

None

Min. Credit Score

No VA-mandated minimum credit score

Prepayment Penalty

Pay off early with zero penalty

Sean vs. Typical New York VA Lenders

Most New York lenders process VA loans. Sean strategizes them — veteran to veteran.

Feature

Working With Sean

Typical NY Lender

Portfolio lender (keeps your loan)

—

AI rate monitoring (Rosie)

—

Veteran-to-veteran relationship

—

Construction-to-perm with VA

—

Physician + VA combination programs

—

Free rate renegotiation before funding

—

Loan recasting for $250

—

Available nationwide

—

Serving Veterans Across New York

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

Fort Drum

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

West Point

VA loans available for service members and veterans near West Point.

Fort Hamilton

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

VA NY Harbor Healthcare System

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

Albany VA Medical Center

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

Buffalo VA Medical Center

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

New York City, NY

VA home loans available for veterans buying or refinancing in New York City.

Buffalo, NY

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

Rochester, NY

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

Albany, NY

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

VA Loan FAQ — New York

Who is eligible for a VA loan in New York?

Veterans, active-duty service members, National Guard and Reserve members with qualifying service, and eligible surviving spouses. If you served at Fort Drum 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 New York?

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 New York 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%–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 New York?

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 New York, Rosie monitors your rate daily and alerts you the moment an IRRRL saves you money.

Can I build a home in New York with a VA loan?

Yes. Sean offers VA construction-to-permanent loans through his lender in New York — a single close that covers your build and converts to your permanent VA mortgage. Zero down, no PMI, one closing. Sean has guided dozens of veterans through new construction.

Ready to use your VA benefit in New York?

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

Check My VA Rate Book Strategy Call

Know New York before you borrow

How closings work in New York

An attorney state: the buyer and the seller each have counsel, and the closing happens at a table with everyone present. Contracts are negotiated by the attorneys after the offer is accepted.

Taxes and transfer costs

New York charges a mortgage recording tax on most mortgages, and New York City adds its own transfer taxes. Co-ops in the city are financed with share loans rather than mortgages, which changes the whole paperwork path.

Insurance that shapes the file

Coastal Long Island, the boroughs, and river valleys carry flood-zone designations that require flood insurance before a loan can fund.

Where people are buying

New York City · Long Island · Westchester and the Hudson Valley · Albany · Buffalo · Rochester. First-time and lower-down-payment programs run through the State of New York Mortgage Agency (SONYMA).

Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in New York →

More for New York: New York mortgage guide|Physician loans in New York|Construction loans in New York|Renovation loans in New York|Private wealth mortgage in New York

VA Loans — All States|Rate Guardian|About Sean