VA Home Loan Programs

Proudly Serving Those Who’ve Served

The VA Home Loan is a federally guaranteed mortgage program designed to help Veterans, active-duty service members, and eligible surviving spouses buy, refinance, or improve a home — with no down payment required.

What Is a VA Loan?

A VA loan is a government-backed mortgage guaranteed by the U.S. Department of Veterans Affairs (VA). These loans are issued by approved private lenders like us and provide favorable terms to eligible military borrowers.

Unlike conventional loans, VA loans require no down payment, have no private mortgage insurance (PMI), and typically offer lower interest rates.

What are the benefits of a VA Loan?

· 100% Financing & No Down Payment Loans

· No Private Mortgage (PMI)

· Flexible Credit Requirements

· Competitive Interest Rates

· No Prepayment Penalty

· Seller Can Pay Closing Costs

· Streamlined Refinance Options Available

Who’s Eligible for a VA Loan?

You may be eligible if you are:

· A Veteran with at least 90 days of wartime service or 181 days of peacetime service

· Currently active-duty with 90+ continuous days of service

· A member of the National Guard or Reserves with at least 6 years of service

· The un-remarried surviving spouse of a Veteran who died in service or from a service-connected disability