VA Loans - Department of Veterans Affairs

Service members and their spouses are eligible to purchase with little or no down payment depending on current available entitlement and loan limits.

Program Highlights

  • 100% financing in most cases. If you currently have a VA loan or you have used your entitlement in the past, we will help you determine if a down payment is required.
  • No monthly mortgage insurance premiums
  • 600 minimum credit score required
  • Full entitlement will allow you your mortgage to exceed county loan limits
  • Refinance within the VA program without re-qualifying
  • Specifically for eligible past and present service members and spouses
  • Termite inspections are required
  • Seller help allowed to cover all closing costs
  • Having a VA currently does not mean you cannot qualify for another VA loan. Ask us about 2nd tier entitlement.

VA loans are insured by The Department of Veterans Affairs (VA).

If you do not currently have a copy of your Certificate of Eligibility (COE), we would be happy to help you obtain a copy.  In many cases, we can obtain an expedited copy through our VA lender portal online.  If it is still not available, we will ask you for to complete an 1880 form (we can email to you) and return it along with a copy of your DD214 discharge form.  With this information, we can obtain a copy online within a few days.

VA Renovation Loan

For homes with minor repair requirements, the VA Renovation loan can help you acquire the home and finance the cost of the repairs. Finance up to $35,000 in repairs, upgrades or minor renovations into your loan amount. Must be minor and cosmetic in nature. Home must appraise for total amount financed.

Curious if you qualify?