VA Loans: You Served. Now Let Us Serve You.
Zero down payment. No PMI. Competitive rates. If you've earned it, we'll make sure you get it.
What is a VA loan?
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs. It is for veterans, active-duty service members, and eligible spouses. The VA guarantees part of the loan so lenders can offer zero down payment, no PMI, and competitive rates.
Who qualifies for a VA loan?
You qualify if you served on active duty for a minimum period (usually 90 days during wartime or 181 days during peacetime), or 6 years in the Reserves or National Guard. Spouses of service members who died in service or from a service-connected disability may also qualify. We can help you confirm your eligibility.
What are the benefits of a VA loan?
Zero down payment in most cases. No private mortgage insurance (PMI). Competitive interest rates. The VA also limits how much you can pay in closing costs. It is one of the best benefits available to those who have served.
What credit score do I need for a VA loan?
Most lenders want a 620 or higher. Some accept lower. The VA does not set a minimum score. We work with 100+ lenders, so we can often find options even if your score is not perfect.
Can I use a VA loan more than once?
Yes. Your VA benefit is reusable. You can use it again after selling the home or paying off the loan. In some cases you can have more than one VA loan at a time. We can walk you through your specific situation.
VA loan vs FHA vs conventional: which is better?
If you are eligible for a VA loan, it is usually the best deal. No down payment and no PMI beats FHA and conventional for most veterans. FHA and conventional make sense if you do not qualify for VA or already used your benefit and are buying again.
FAQ
What is the VA funding fee?
The VA charges a one-time funding fee. It can be rolled into the loan. Some borrowers are exempt (e.g. disability compensation). We will show you the exact amount based on your situation.
Can I use a VA loan for a refinance?
Yes. VA IRRRL (streamline) and VA cash-out refinances are common. We can run the numbers and see if a VA refi makes sense for you.