VA Loans
A benefit earned through service. VA loans offer eligible veterans and active-duty military zero down payment and no mortgage insurance — one of the best loan programs available.
VA Loan Benefits
The VA loan program is one of the most powerful home financing tools available to those who have served.
No down payment required for eligible veterans
No private mortgage insurance (PMI)
Competitive interest rates — often lower than conventional loans
Flexible credit and income guidelines
Seller can pay all closing costs
No prepayment penalty
Lifetime benefit — can be used multiple times
Streamline refinance (IRRRL) available with minimal paperwork
Eligibility Requirements
VA loans are available to veterans, active-duty service members, and certain surviving spouses.
Service RequirementActive duty, veterans, National Guard, and Reserve members with qualifying service; surviving spouses may also be eligible
Certificate of EligibilityA COE is required to verify your military service — we can help you obtain it
Credit ScoreNo VA minimum, but most lenders require 620+; we work with a range of credit profiles
Debt-to-IncomeVA guideline is 41% DTI; exceptions possible with residual income analysis
Primary ResidenceMust be your primary residence — not for investment properties or vacation homes
Funding FeeA one-time VA funding fee applies (can be financed); disabled veterans are typically exempt
You've Earned This Benefit — Let's Use It
Our loan officers are experienced with VA loans and will guide you through every step, from obtaining your COE to closing.