VA Loans

VA loans are a powerful home financing tool for past and present military service members. 

VA Loans

If you are an active military member, veteran, or qualified service family member, a VA loan may be the best way to purchase a home. Backed by the U.S. Department of Veterans Affairs, VA loans have significant advantages in regards to down payment, credit score, and mortgage insurance requirements. Borrowers can also use a VA loan to refinance their current interest rate or take cash-out.

No down payment required – In order for 100% financing, the sales price must be the same or lower than the home’s appraised value.

Attractive terms and interest rates – Lower rates than conventional financing.

No mortgage insurance is required – With a VA loan, neither private mortgage insurance (PMI) or a mortgage insurance premium (MIP) is required.

VA Loan Features

Here's why an VA Loan may be right for you.
  • 0% down for qualified borrowers
  • No mortgage insurance
  • Easier to qualify than conventional loan
  • Purchase and refinance options
  • No pre-payment penalty

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VA Loans

Find answers to some of the most common questions about VA Loans.

You may be eligible for a VA loan by meeting one or more of the following requirements:

  • You have served 90 consecutive days of active service during wartime
  • You have served 181 days of active service during peacetime
  • You have 6 years of service in the National Guard or Reserves
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability

A VA loan can be used to obtain pretty much any type of home, such as a standard house, condo, townhouse, or a manufactured home. You can also use a VA loan to build or improve a home.

The Blue Water Navy Vietnam Veterans Act of 2019 eliminated VA loan limits, starting Jan. 1, 2020, for veterans and service members with full entitlement to VA loans. However, for those who are still subject to loan limits will follow the FHA loan limit amounts. 

Still have questions? We're here to help.