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VA Loans

Backed by the U.S. Department of Veterans Affairs, VA loans are designed to help active-duty 

military, or veterans become homeowners at an affordable cost. 

LET’S GO VA!

Backed by the U.S. Department of Veterans Affairs, VA loans are designed to help active-duty military, or veterans become homeowners at an affordable cost. VA mortgage loans ask for no down payment, requires no mortgage insurance, allows for flexible guidelines as well as many other advantages. Let’s get started today!

The VA home loan program is specifically for veterans, active military and surviving military spouses, although there are a few basic service requirements each must initially meet. Those interested likely meet the service requirements if the potential homebuyer served 181 days on active duty during peacetime; 90 days on active duty during wartime; or served six years in the Reserves or National Guard – unless otherwise eligible.

The Department of Veterans Affairs does not issue VA home loans, but guarantees a portion of each mortgage to be paid in the event that the purchaser is unable to fulfill the loan.

Disclosure: This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA).

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Key VA Loan Points

What is a VA Home Loan?

VA home loans are designed to help active-duty military, or veterans become homeowners at an affordable cost. VA mortgage loans ask for no down payment, requires no mortgage insurance, allows for flexible guidelines as well as many other advantages!

Unique Benefits

VA home loan mortgages offer the unique benefit of $0 money down! Additionally, you do not have the additional monthly cost of private mortgage insurance. Ready for more? VA home loans offer lower closing costs, highly competitive interest rates and carry no penalties if the loan is paid off early!

Main Points of Qualification

The first main area of qualification is your credit score; borrowers with lower credit scores are more likely to get approved if they apply for a VA loan. Scores can go as low as 580! Next is your loan amount; with a VA home loan mortgage, the maximum loan amount requirement is $417,000 which is a higher than an FHA loan/ The third area is your debt to income ratio and last is your VA residual income. Still have questions? Get in contact with any of our loan officers today to get the full scoop on your eligibility!

Derek

Hi, I'm Derek

I have a strong passion to help people realize the value of homeownership through a purchase or refinance. Let’s connect today and see what’s possible! 😃

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The Lowdown

The VA home loan program is specifically for veterans, active military and surviving military spouses, although there are a few basic service requirements each must initially meet. 

Did you know

With no down payment required, a VA loan allows for no cost, no qualifying “streamline” refinance, available for 30 year fixed-rate loans only and subject to VA eligibility rules. 

closing costs

VA loans offer lower closing costs, highly competitive interest rates and carry no penalties if the loan is paid early.

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