VA Loan
Exclusive to veterans and active-duty military members, offering no down payment, flexible qualifications, and additional savings compared to traditional loan programs.
VA Loan Features
No Down Payment
Eligible borrowers may finance up to 100% of the purchase price, subject to entitlement.
No Monthly Mortgage Insurance
VA loans do not require private mortgage insurance.
Guaranteed by the VA
The Department of Veterans Affairs guarantees a portion of the loan.
Refinance Options
Includes streamlined IRRRL and cash-out refinance options.
VA Loan Benefits
- 01
Lower Upfront Costs
No down payment and limits on certain closing costs.
- 02
Competitive Rates
VA backing helps keep rates competitive.
- 03
Flexible Qualification
Guidelines can be more flexible on credit and debt-to-income.
- 04
Reusable Benefit
Your VA entitlement can often be used more than once.
Loan Program Frequently Asked Questions
Who is eligible for a VA loan?
Eligible veterans, active-duty service members, certain National Guard and Reserve members, and some surviving spouses.
What is a Certificate of Eligibility (COE)?
A document from the VA confirming your eligibility. We can help you request it.
Is there a VA funding fee?
Most borrowers pay a one-time funding fee, which can often be financed. Some veterans, such as those receiving disability compensation, are exempt.
Can I use a VA loan more than once?
Yes, in many cases your entitlement can be restored or used again.