VA Loans
Exclusive mortgage benefits for veterans, active-duty service members, and eligible surviving spouses with no down payment required.
Benefits of VA Loans
VA loans offer unmatched benefits to those who have served our country.
No Down Payment
Qualified borrowers can finance 100% of the home purchase with no down payment required.
No Private Mortgage Insurance
Unlike other low down payment options, VA loans don't require monthly mortgage insurance.
Competitive Interest Rates
VA loans typically offer lower interest rates compared to conventional loans.
Limited Closing Costs
The VA limits the closing costs that veterans can pay, and sellers can pay all closing costs.
Flexible Credit Requirements
More lenient credit guidelines make it easier to qualify with less-than-perfect credit.
No Prepayment Penalty
Pay off your loan early without any penalties or additional fees.
Eligibility Requirements
Service Requirements
- 90 consecutive days of active service during wartime
- 181 days of active service during peacetime
- 6 years of service in the National Guard or Reserves
- Spouse of a service member who died in the line of duty or as a result of a service-related disability
Other Requirements
- Valid Certificate of Eligibility (COE)
- Property must be your primary residence
- Meet VA and lender credit and income requirements
- Debt-to-income ratio typically below 41% (though exceptions exist)
- VA funding fee required (unless exempt due to disability or other factors)
Frequently Asked Questions
Common questions about VA loans.
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