VA Mortgage Loan

Exclusive Benefits for Veterans and Military Family

VA loans are government-backed mortgages created specifically for active-duty service members, veterans, and eligible military families. They’re one of the most powerful loan programs available, offering incredible benefits like no down payment and no private mortgage insurance.

What You Need to Know..

  • Backed by the U.S. Department of Veterans Affairs.

  • Available only to eligible veterans, active-duty service members, and qualifying spouses.

  • Typically easier to qualify for compared to other loan types.

  • No required down payment or PMI (private mortgage insurance).

The Highlights..

  • $0 down payment for qualified borrowers.

  • No PMI, which helps keep monthly payments lower.

  • Competitive interest rates.

  • Flexible credit and income requirements.

  • Available for primary residences only.

FAQ – Quick Answers..

  • Do I need perfect credit to qualify?
    No — VA loans are designed to be more flexible than conventional loans.

  • Are there funding fees?
    Yes, most borrowers pay a one-time VA funding fee, though it can often be rolled into the loan. Some veterans are exempt.

  • Can I refinance with a VA loan?
    Yes — the VA offers streamlined refinance options that can make lowering your rate or monthly payment simple.