What is a VA Loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs. These loans are available to veterans, active-duty service members, and eligible surviving spouses, offering some of the best terms available in the mortgage market.
Key Benefits
- No Down Payment: 100% financing available
- No PMI: No private mortgage insurance required
- Competitive Rates: Often lower than conventional loans
- Limited Closing Costs: VA limits what veterans can pay
- No Prepayment Penalty: Pay off your loan anytime
- Lifetime Benefit: Can be used multiple times
Who Qualifies?
VA loans are available to those who have served our country:
- Veterans with honorable discharge
- Active-duty service members
- National Guard and Reserve members
- Eligible surviving spouses
VA Loan Requirements
Minimum Credit Score
No VA minimum (lenders typically require 620+)
Down Payment
0% (100% financing)
Debt-to-Income Ratio
Up to 41% (may go higher)
Certificate of Eligibility
Required (we can help obtain)
Thank You for Your Service
We're honored to help veterans and military families achieve homeownership. Let us help you take advantage of the benefits you've earned.
