VA Loans

Honoring your service with exclusive benefits, including 0% down payment options.

Program Overview

VA loans are a powerful mortgage option available to Veterans, Service Members, and select military spouses. These loans are issued by private lenders but backed by the U.S. Department of Veterans Affairs.

Widely considered one of the best mortgage products available, VA loans offer significant financial advantages, including no down payment requirement and no private mortgage insurance (PMI), making homeownership more accessible and affordable for those who have served.

Key Benefits

0% Down Payment

Buy a home with no money down (as long as the sales price doesn't exceed the appraised value).

No PMI

VA loans do not require private mortgage insurance, saving you hundreds per month.

Competitive Rates

VA loans typically offer lower interest rates than conventional loans.

Limited Closing Costs

The VA limits the closing costs lenders can charge to VA loan applicants.

Standard Requirements

  • Certificate of Eligibility (COE): Must have a valid COE verifying your service history.
  • Credit Score: While the VA has no minimum, most lenders look for 620+.
  • Occupancy: Must be your primary residence.
  • Funding Fee: Most borrowers pay a one-time VA funding fee (can be financed), unless exempt due to service-connected disability.

Documents Needed to Apply

  • Certificate of Eligibility (COE)
  • DD-214 (for veterans) or Statement of Service (for active duty)
  • Pay stubs for the last 30 days
  • W-2 forms for the last 2 years
  • Bank statements for the last 2 months
  • Copy of driver's license

Thank You for Your Service

Let us help you maximize your hard-earned benefits.

Apply for a VA Loan