A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs. The guarantee is a benefit earned through service, and it is one of the strongest purchase programs available to the people who qualify for it.
VA loans do not carry the monthly mortgage insurance that FHA and most low-down-payment loans do.
Down payment flexibility
Eligible borrowers often need less cash to close than other programs ask for. We confirm your entitlement first.
Reusable
VA eligibility can be used more than once, and in some cases on more than one loan.
Certificate of Eligibility handled
We request your Certificate of Eligibility as part of the file, so you do not have to chase it.
Step by step
How it runs, start to close
1
Confirm eligibility
Service history and discharge details decide your entitlement. We pull the Certificate of Eligibility.
2
Pre-approval
Income and credit reviewed, pre-approval letter issued.
3
VA appraisal
A VA-assigned appraiser confirms value and that the home meets minimum property requirements.
4
Closing
We walk through the funding fee and every line of the closing disclosure with you.
Is it the right fit?
The fifteen-minute call that settles it
A home loan guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members and surviving spouses.
Whether it is the right program depends on your credit, your savings and the
property. We run it against the alternatives with your real numbers, and if another
program suits you better, we say so.
Eligible veterans, active-duty service members, certain members of the National Guard and Reserves, and some surviving spouses. The Certificate of Eligibility confirms it.
What is the VA funding fee?
A one-time fee paid to the VA that helps fund the program. The amount depends on your down payment and whether you have used the benefit before, and some veterans are exempt.
Can I use a VA loan more than once?
Yes. VA eligibility can be restored after a loan is paid off, and in some cases you can hold more than one VA loan at a time.
Can a VA loan be used for a condo?
Yes, if the condominium is on the VA's approved list. We check it before you make an offer.
Does a VA loan have mortgage insurance?
No monthly mortgage insurance. The funding fee takes its place and can usually be financed into the loan.
Can I refinance a VA loan later?
Yes. There are VA refinance options for existing VA loans, including a streamlined one. We can tell you whether it makes sense for you.
Purchase · Refinance · Pre-approval
Know what you can borrow before you fall for a house
Start the secure application online, or call the office and talk it through first. Either way you get a real answer, not a range.
