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Competitive interest rates. Favorable loan terms. No required down payment. VA loan programs help eligible veterans and active duty service members become homeowners and provide refinance options to those with existing mortgages.


  • VA loans offer unique benefits to eligible veterans and active duty servicemen and women

  • The option to make no down payment

  • Limited closing costs

  • Flexible qualifications

  • Fixed rate and adjustable-rate loan options

  • Low interest rates

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What Is A VA Loan

A VA home loan with no required down payment and favorable loan terms for Active Duty Service members, Veterans, Reservists, National Guard members, surviving spouses, and certain other individuals who meet eligibility requirements can use VA loans to purchase homes or refinance existing mortgages. VA loans are guaranteed by the Department of Veterans Affairs.

VA loans are one of the only mortgages to offer 100% financing (no down payment ) for a home purchase. In addition, VA loans offer refinance and cash out options that can be used to pay off debt, fund major expenses, make home improvements, or refinance a non-VA home loan into a VA home loan with improved terms.

There is also a streamlined option known as an Interest Rate Reduction Refinance Loan (IRRRL) that provides veterans with existing VA loans an opportunity to quickly and easily refinance an existing VA loan. Underwriting terms are very relaxed on an IRRRL an they allow veterans or active duty to quickly and easily pursue a refinance when market conditions improve and interest rates drop.  

Requirements For A VA Loan

  • Original pay stubs for the most recent 30 day period for all your income sources

  • W-2 forms for the past two years (Tax Returns if self employed)

  • Original savings, checking and money market account statements for the past 3 months (all pages)

  • Most recent 401-K or profit sharing statement

  • Original certificate of eligibility and copy of DD-214

  • Fully executed contract of sale with copy of the earnest money check (Purchase Only)

  • Landlord or mortgage company address and phone number for the previous two years

  • Copy of last Note and Settlement Statement (Refinance Only)

  • Insurance agent’s name and phone number and the Homeowners insurance premium amount for the property you are purchasing. This must be received 10 days prior to your closing

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Is A VA Loan Right For You?

A VA loan may be right for you if you:

  • Are a veteran who meets the eligibility requirements established by the U.S Department of Veterans Affairs*

  • Want the option of making no down payment

  • Want to save money by avoiding monthly Private Mortgage Insurance (PMI) requirements

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