Loan Programs
VA Loans
VA loans provide exceptional mortgage benefits to eligible military service members, veterans, and surviving spouses. With zero down payment, no PMI, and competitive rates, VA loans are one of the most powerful home financing tools available.
Program Features
Zero down payment required
No private mortgage insurance (PMI)
Competitive interest rates
No prepayment penalties
Limited closing costs
VA funding fee can be rolled into loan
Available for primary residences
Streamline refinance (IRRRL) available
Frequently Asked Questions
Who is eligible for a VA loan?
Active duty service members, veterans with qualifying service, National Guard/Reserve members with 6+ years of service, and surviving spouses of service members who died in the line of duty or from a service-connected disability.
Is there really no down payment?
Yes. VA loans offer 100% financing, meaning you can purchase a home with zero down payment. This is one of the most significant benefits of VA loan eligibility.
What is the VA funding fee?
The VA funding fee ranges from 1.25% to 3.3% of the loan amount depending on your service type and down payment. It can be rolled into the loan. Some veterans are exempt from the fee.
Ready to Get Started?
Take the first step. Get a personalized quote or connect with a local loan officer today.