VA Loans

    Exclusive benefits for veterans, active-duty service members, and eligible spouses

    Is This Loan Program Right For You?

    Get a personalized recommendation based on your financial situation. See if you qualify and explore your options.

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    What is a VA Loan?

    A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs, designed to help military service members, veterans, and eligible surviving spouses achieve homeownership. This benefit is one of the most powerful financial advantages available to those who have served.

    VA loans offer exceptional terms with no down payment requirement, no private mortgage insurance, and competitive interest rates—making them one of the best mortgage options available.

    Key Benefits

    No down payment required (0% down)
    No private mortgage insurance (PMI)
    Competitive interest rates
    Limited closing costs
    No prepayment penalties
    Easier qualification standards
    Assumable by qualified buyers
    VA assistance if you have trouble making payments

    Requirements

    Eligibility:Veterans, active-duty, reservists, National Guard, eligible spouses
    Credit Score:No VA minimum (lenders typically require 620+)
    Down Payment:0% - none required
    Certificate of Eligibility:Required (we'll help you obtain this)
    Property Type:Must be primary residence

    Who Should Consider This?

    • • Veterans from any branch of service
    • • Active-duty service members
    • • National Guard and Reserve members
    • • Eligible surviving spouses
    • • Anyone who has served and meets service requirements
    • • First-time and repeat homebuyers with VA eligibility

    Important to Know

    VA Funding Fee: Most VA loans require a one-time funding fee (typically 2.3% for first-time use with no down payment), which can be rolled into the loan. Veterans with service-connected disabilities are exempt from this fee.

    Loan Limits: VA loans technically have no maximum loan limit, though the VA only guarantees a portion. In 2024, there's no limit for borrowers with full entitlement. We can help you understand your specific entitlement.

    Property Standards: The home must meet VA Minimum Property Requirements (MPRs) to ensure it's safe, sanitary, and structurally sound.