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VA Home Loan Program  

VA loans are designed to help active duty military and veterans qualify for homeownership and are one of the most popular choices among eligible first-time homebuyers and eligible military personnel because of the exceptional terms they offer military borrowers.

A VA loan is a mortgage guaranteed by the U.S. Department of Veteran Affairs. They offer lower interest rates and better terms than conventional mortgages and are offered exclusively to service members and certain military spouses. We know the right questions to ask to make sure you get the right mortgage fit for you.

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VA Home Loan Benefits

• No down payment required: The most attractive feature of VA loans is their zero percent down payment, so you can become a homeowner without having to save for a down payment.

• Lower interest rates: Military borrowers typically receive interest rates well below those of conventional borrowers.

• No monthly mortgage insurance premiums: Mortgage Insurance (MI) payments can costs borrowers hundreds every month – an expense you’ll never have with a VA loan.

• No prepayment penalty: You can sell or refinance at any time without having to pay a penalty.

• Reduced funding fees: You can qualify for reduced loan fees or exemption from funding fees for Veterans receiving service-connected disability compensation. • Ability to finance the VA funding fee: The funding fee can be rolled into the entire loan amount.

• Less than perfect credit usually accepted: You don’t need to have perfect credit to qualify for a VA loan.

VA loan eligibility typically requires one of the following:

• 90 consecutive days of service during wartime

• 181 of active service during peacetime

• 6 or more years of service in the National Guard or Reserves

• Being the un-remarried, surviving spouse of a service member who died in the line of duty, or because of a service-related disability