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VA Loan
A VA loan, backed by the U.S. Department of Veterans Affairs, is an exclusive home financing option for eligible veterans, active-duty service members, and select National Guard and Reserve members. Offering zero down payment, competitive interest rates, and no private mortgage insurance (PMI), VA loans make homeownership more affordable for those who have served. With flexible credit requirements and lower closing costs, this loan is ideal for veterans and military personnel looking to buy or refinance a home with favorable terms. If you’re a qualified service member, explore the benefits of a VA home loan and start your path to homeownership today!
A Reliable Home Loan You Can Trust.
No Down Payment Required
Purchase a home with 100% financing, saving thousands upfront.
No Private Mortgage Insurance (PMI)
Lower monthly payments compared to conventional or FHA loans.
Competitive Interest Rates
Benefit from rates typically lower than other loan types.
No Prepayment Penalty
Pay off your loan early without any extra fees.
Loan Guidelines
If your details are near these guidelines, we encourage you to apply or reach out. Even if you don’t qualify for a 30-year fixed-rate mortgage, we may have other options available.
The Home
Purchase a new home or refinance your current mortgage.
Credit Profile
A credit score above 620 is typically required.
Debt-to-Income
Your debt-to-income ratio (DTI) should be under 50%.
Closing Costs
Along with your down payment, you’ll need sufficient funds to cover closing costs.
Explore Your Potential
Our calculators help you understand and visualize your options
Mortgage Calculator
Planning to buy a home? Calculate your estimated monthly payments, including taxes and insurance.
Refinance Calculator
Considering refinancing your mortgage? Find out how much you could save.
Frequently Asked Questions
Have questions? We’ve got answers! Explore our FAQ section to find helpful information about loans, refinancing, and more. If you don’t see what you’re looking for, feel free to contact us—we’re here to help!
Who are VA loans best for?
VA loans are designed for eligible active-duty military members, veterans, and surviving spouses. They’re best for those seeking a home loan with no down payment and competitive terms.
How do VA loan work?
VA loans are backed by the U.S. Department of Veterans Affairs, providing benefits like no down payment, no private mortgage insurance (PMI), and competitive interest rates. Borrowers must meet eligibility criteria based on military service and obtain a Certificate of Eligibility (COE).
What are pros and cons of a VA loan?
Pros:
- No down payment required.
- No PMI, even with 100% financing.
- Flexible credit and income requirements.
Cons:
- VA funding fee required unless qualify for an exemption (can be financed into the loan).
- Limited to primary residences only.
- Stricter property condition requirements for approval.
Can I use a VA Loan more than once?
Yes, VA loans can be used multiple times, as long as you still meet eligibility requirements. You may also reuse your entitlement after paying off a previous VA loan.