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WHAT IS A VA LOAN?

A VA loan, also known as a VA-guaranteed loan, is a type of mortgage loan program offered to eligible veterans, active-duty military members, and, in some cases, certain surviving spouses. The VA loan program is backed by the U.S. Department of Veterans Affairs (VA) and is designed to help current and former military personnel become homeowners with favorable terms and benefits.

Safe and secure
2-3 minute process
Fast Funding

Today’s Mortgage Rates

Mortgage rates can fluctuate daily, and even a slight difference in rates can have a significant impact on your monthly mortgage payments and the overall cost of your loan. By staying informed about today's rates, you can seize the opportunity to secure a favorable rate that aligns with your financial goals.

  • Rate type
  • Purchase rate/apr
  • 30-year fixed
  • 2.625% / 2.763%
  • 20-year fixed
  • 2.375% / 2.575%
  • 15-year fixed
  • 2.000% / 2.212%
Requirements

Unlocking the Path to VA Loan Benefits

Service Eligibility

To qualify for a VA loan, you must meet certain service requirements.

Certificate of Eligibility (COE):

Certificate of Eligibility (COE) from the U.S. Department of Veterans Affairs.

Property Requirements

Must meet certain standards to ensure it's a sound investment

Credit and Income

A stable income and reasonable debt-to-income ratio

Get Expert Help with
VA Loan Applications

Why

FEATURES AND BENEFITS OF A VA LOAN

Welcome to the world of VA loans – an exclusive mortgage program designed to honor and support our nation's heroes on their journey to homeownership. With VA loans, veterans and active-duty military members gain access to a range of key benefits and features that set this program apart from the rest.

No Down Payment, No Problem

VA loans offer the incredible advantage of requiring zero down payment. Embrace the dream of homeownership without the initial financial burden.

Competitive Interest Rates

The VA's backing provides lenders with an added layer of security, resulting in competitive interest rates that could save you significant money over the life of your loan.

Accessibility for Surviving Spouses

In addition to veterans and active-duty service members, certain surviving spouses may also qualify for VA loans, ensuring that the benefits extend to those who have lost a loved one in service to our country.

Freedom from Private Mortgage Insurance

Unlike conventional loans, VA loans generally do not require costly private mortgage insurance (PMI), allowing you to keep more of your hard-earned money in your pocket each month.

Easier Qualification, Fewer Hassles

VA loans often come with more flexible qualification criteria, making the path to approval smoother, even if you've faced credit challenges in the past.

Refinancing Options

Enjoy the flexibility of VA loan refinancing options, providing opportunities to reduce interest rates, access cash, or consolidate debt to achieve your financial goals.

Testimonials

HEAR WHAT OUR CLIENTS SAY

Professional Partner

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Lorri Warf

Homeowner

Incredible Experience

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Auctor non sit sed magna pharetra in amet porta enim.

David Elson

Homeowner

Dependable & Responsive

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Auctor non sit sed magna pharetra in amet porta enim.

Ricky Smith

Homeowner

Professional Partner

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Auctor non sit sed magna pharetra in amet porta enim.

Lorri Warf

Homeowner

Incredible Experience

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Auctor non sit sed magna pharetra in amet porta enim.

David Elson

Homeowner

Dependable & Responsive

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Auctor non sit sed magna pharetra in amet porta enim.

Ricky Smith

Homeowner

Professional Partner

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Auctor non sit sed magna pharetra in amet porta enim.

Lorri Warf

Homeowner

Incredible Experience

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Auctor non sit sed magna pharetra in amet porta enim.

David Elson

Homeowner

Dependable & Responsive

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Auctor non sit sed magna pharetra in amet porta enim.

Ricky Smith

Homeowner

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FAQs

Who is eligible for a VA loan?
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How do I obtain a Certificate of Eligibility (COE)?
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What are the primary benefits of a VA loan?
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Is a down payment required for a VA loan?
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What are the credit score requirements for a VA loan?
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Can I use a VA loan to purchase a second
home or investment property?
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What types of properties can I purchase with a VA loan?
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Are there any limitations on closing costs with a VA loan?
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Can I use a VA loan for home improvements or renovations?
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Can I refinance my existing loan with a VA loan?
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Are there any prepayment penalties with a VA loan?
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How long does the VA loan approval process typically take?
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