Since 1944, VA loan programs have been offered to our nation’s military members. The loans are made only by VA-approved lenders and are backed by the Federal Government. Most veterans, active duty military personnel, surviving spouses and others may be eligible for VA home loan benefits. VA purchase loans, regular refinance loans (including cash-out), Streamline refinancing, VA IRRL and mortgage assumption are available with competitive interest rates and flexible terms to meet almost every budget.

VA mortgages are known for their attractive features such as no cash down on purchases, no private mortgage insurance and quick and affordable Streamline refinancing. VA loan interest rates are competitive with national mortgage rates which can change daily depending on the market. Lock in your low rate today since the U.S. Department of Veterans Affairs guarantees every loan, Approved lenders can offer many unique advantages over conventional loans such as 100% loan-to-value, no monthly mortgage insurance premiums and less strict qualifying standards.
VA purchase loans are exceptional because qualified military borrowers can buy primary residences valued at up to $417,000 with no money down and no private mortgage insurance. The zero-down feature of VA mortgage is popular with military members, and most choose VA purchase loans for this reason. Choose from 15- to 30-year fixed rate mortgages and even include up to $6,000 for energy efficient upgrades to your new home.

VA refinance loans allow eligible borrowers to get today’s low interest rates, more desirable terms or even cash out of equity they’ve accrued in their homes to pay down debts or make improvements. VA Streamline refinancing helps existing VA borrowers reduce interest rates and/or monthly payments quickly and cost-effectively, often without an appraisal. Ask how VA loans and non-VA loans can be refinanced with this no-hassle program.

VA Loans vs. FHA Loans
Veterans not eligible for VA loans may qualify for similar benefits with FHA loans. This government-backed mortgage program offers low down payments and competitive interest rates. As a dedicated lender of government-backed loans, we offer VA and FHA mortgages to assure borrowers have the best options available. Ask us about FHA loans for veterans and civilians alike.

VA Loan Advantages

  • No Down Payment Possible up to Conforming Loan Limits
  • No Private Mortgage Insurance
  • Competitive Interest Rates
  • VA Limits Certain Closing Costs and Fees
  • No Pre-Payment Penalties
  • Generous Allowances for Seller-Paid Costs and Concessions on Purchases