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VA Home Loan

A VA home loan is one of the most useful military benefits.

The VA loan is a mortgage option for all Active Duty Military, Veterans, Army National Guard, Air National Guard, Reserve Members, and select Military Veteran Spouses.

The VA Loan program is one of the best and most powerful loans in the business, but we find that a lot of our service members and veterans have No idea of the benefits or even are aware of the program itself.

Do you meet one of the following conditions:

  • Served 90 consecutive days of active service during wartime…or
  • Served 181 days of active service during peacetime…or
  • Served more than 6 years of service in the National Guard or Reserves…or
  • Are a spouse of a service member or Veteran who has passed away in the line of duty or as a result of a service related disability.

VA loans require no down payment or private mortgage insurance. Additionally, if you have a VA disability of 10% or more, you are NOT required to pay the VA funding fee.

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Benefits of the VA Home Loan Programs:

  • No Down Payments No money down! Saving money can be daunting, not to mention if you are active duty and have PCS orders. This loan takes the pressure off our service members and veterans & gives them the chance to nest without worrying about financing 20% of the home’s total value.
  • No Private Mortgage Insurance (PMI) VA loans do not require the borrower to put down the traditional 20% down payment or pay Private mortgage insurance (PMI). PMI protects the lender if for some reason the borrower defaults on their mortgage. The federal government backs all VA loans and takes on all the risk on behalf of the borrower. This allows our service members to save more, build equity and save thousands over the life of the mortgage.
  • Exceptional Interest Rates The thought of an interest rate can be intimidating, especially if you have a lower credit score or a high debt to income (DTI) ratio. VA loan borrowers will typically qualify for lower interest rates than a conventional borrower. Sometimes up to 1% lower, which can save you thousands!
  • Flexible Terms VA loans are available in 15, 20, or 30-year terms. The VA program gives you the flexibility to design a loan that works for you and for your family.