Those qualifying for a VA loan have access to one of the best loan products available and have a variety of options available to them that other forms of financing are unable to provide. There are many misconceptions surrounding the qualifcation of a VA loan, making it important to know the facts as a borrower or seller. Read on to see if any of these mortgage myths are keeping you from applying for a VA loan, or accepting an offer with VA financing. MYTH: YOU NEED A DOWN PAY