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Our rates are low, and our process is quick & painless

What is a VA Home Loan?

A VA mortgage loan is a home loan program that is guaranteed by the United States Department of Veterans Affairs (VA) and is designed to help veterans, active-duty service members, and their families to purchase or refinance a home. This program is aimed at providing affordable financing options to eligible borrowers who have served or are currently serving in the military. The VA mortgage loan offers several benefits such as no down payment, no private mortgage insurance, and competitive interest rates. Additionally, the program offers flexible credit requirements and does not require a minimum credit score. To qualify for a VA mortgage loan, the borrower must have a valid Certificate of Eligibility (COE) and meet certain service requirements. The property must also meet the VA’s minimum property requirements. Overall, the VA mortgage loan program is a great option for eligible borrowers who are looking to purchase or refinance a home.

•Lower Interest Rates than other Loan Programs

•Fixed and Adjustable Rates (ARM)

•No Down Payment

•No Private Mortgage Insurance

•Loan Terms of 10 to 30 years

• $766,500 of Entitlement per Service member

•No credit score requirement

•No limit Jumbo loans

The minimum qualifications are: 180 days of military service, not counting initial training (90 days during wartime), at least 12 months of clean credit repayment history, the home must serve as a primary residence, and the ability to meet Residual Income guidelines.

There are many benefits to getting a VA Loan! They offer better terms than with a traditional loan from a private bank or credit union. For example, nearly 90% of VA-backed loans are made with no down payment.

Here’s how our home loan process works:

  1. Complete our online application
  2. Receive personalized loan option
  3. Compare mortgage interest rates and terms
  4. Select the offer tailored to your needs!

Work With Michael

After serving as a Communications Sergeant, Intelligence Sergeant, and Operations Sergeant in the 10th Special Forces Group through multiple deployments, Michael retired from the Army in 2017. Though no longer in the military, Michael wanted to continue to serve those who have served and who continue to serve this great nation.

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