VA Home Loan

If you’re an active-duty service member, veteran, or eligible surviving spouse, a VA home loan offers one of the most powerful benefits available for achieving homeownership. Backed by the Department of Veterans Affairs, VA loans allow qualified borrowers to finance 100% of the home’s purchase price, meaning no down payment required in most cases. 

These loans feature competitive interest rates, no private mortgage insurance (PMI), and more flexible credit and income guidelines than conventional mortgages, making them an ideal choice for many military families. VA loans are available as fixed-rate or adjustable-rate options and can be used to purchase a primary residence, refinance an existing mortgage, or even make energy-efficient home improvements. While no down payment is typically needed, borrowers must still meet lender qualifications based on credit, income, and debt-to-income ratio, and may be responsible for a VA funding fee and standard closing costs (which can often be negotiated with the seller). This benefit can be used multiple times throughout your life, as long as eligibility requirements are met.

Contact us today to learn if you qualify and how a VA loan can help you secure your next home with ease!