What Are VA Loans?

VA loans are exclusive mortgage options for veterans, active-duty service members, and eligible spouses, offering significant benefits that make homeownership affordable. These loans are guaranteed by the U.S. Department of Veterans Affairs, these loans provide financial flexibility and security for those who have served our country. Additionally, VA loans offer the ability to finance a home without the need for private mortgage insurance, even with no down payment.

Why Choose a VA Loan?

• No Down Payment: VA loans allow 100% financing with no down payment required.
• No Private Mortgage Insurance (PMI): Save on monthly costs with no PMI.
• Competitive Interest Rates: Benefit from lower rates compared to conventional loans.
• Flexible Credit Requirements: VA loans are accessible to borrowers with a range of credit profiles.

• Must be a veteran, active-duty service member, or eligible surviving spouse.
• Obtain a Certificate of Eligibility (COE) from the VA.
• Satisfy lender-specific requirements for income, credit, and DTI ratio.