VA Loans in Delaware County, PA
Delaware County veterans, active-duty service members, and surviving spouses can purchase a home with zero down payment through the VA home loan benefit. Dynamic Funding Solutions serves Delaware County VA buyers from Huntingdon Valley — right on the county border.
VA Loan Benefits for Delaware County Buyers
- $0 down payment on purchase loans
- No private mortgage insurance (PMI)
- Competitive interest rates (typically lower than conventional)
- Flexible credit guidelines
- No loan limits for eligible veterans with full entitlement
- VA funding fee can be financed into the loan (waived for service-connected disabled veterans)
VA Loan Eligibility — Delaware County Veterans
- Active duty: 90 continuous days
- Gulf War era: 24 months or full period of activation
- Post-9/11: 90 days active duty
- Cold War / peacetime: 181 days active duty
- National Guard / Reserves: 6 years service OR 90 days active duty under Title 10
- Surviving spouses: unremarried spouse of veteran who died in service or from service-connected disability
How to Get Your Certificate of Eligibility (COE)
- Online: eBenefits portal (ebenefits.va.gov) — fastest
- Through your lender: Dynamic Funding Solutions can pull COE directly in many cases
- By mail: VA Form 26-1880
- COE shows your entitlement amount — used to determine if you have full or remaining entitlement
Delaware County VA Loan Process — Step by Step
- Get pre-approved with COE verification
- Find a home (any home that passes VA appraisal)
- VA appraisal ordered by lender
- Underwriting and clear to close
- Closing — no down payment required for most buyers
FAQ — VA Loans Delaware County PA
Can I use a VA loan to buy in any part of Delaware County?
Yes. VA loans can be used for any property in Delaware County that passes the VA appraisal — from Media to Upper Darby to Haverford to Marcus Hook.
I used my VA benefit before. Can I use it again?
Yes. VA benefits can be restored after a previous VA loan is paid off and the property sold. You may also have remaining entitlement if you have not used your full benefit.
Does Dynamic Funding Solutions charge extra fees for VA loans?
No additional broker fees for VA loans. The VA funding fee (1.25–3.3% depending on your service history and down payment) applies unless you have a service-connected disability rating.
Delaware County veteran? Call Lena Polnet at (215) 364-7171 for your VA pre-approval. We are minutes from the Montgomery-Delaware County border.
Dynamic Funding Solutions, Inc. — NMLS #17144 | Lena Polnet — NMLS #17225 | Licensed in Pennsylvania and Florida | Equal Housing Lender