If you are eligible to go VA loan you can do this. You will have to put up at least $2,500.00 to start. That will lock you in, then go to a bank that does VA loans and finish the process. It is best to go to the bank first, get fully qualified and approved, then make your lock in, take the paper work to your bank and you will probably close within 30 days or less. The 20% is a required for Citizens Bank, (conventional type loans) Anything over 80% loans require PMI (Private Mortgage Insurance, if you default it will pay off loan).
