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VA Loan

We help Veterans become Homeowners

You defended the American Dream. Now You Can live it. See what your military service has earned you:

VA Loan Eligibility

See if you meet the requirements to use your hard-earned VA Loan benefits.

No Down Payment

Turn your military service into homebuying savings with a $0 Down VA Loan.

First-Time Homebuyers

Find out why VA Home Loans are ideal for Veterans and military families buying their first home.

What can I afford?

Get a quick snapshot of what your monthly payments could be with a VA Home Loan.

VA Loan Rates

Check on the competitively low VA Military Loan rates available and lock in your interest rate today.

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VA Loan and Military Home Loans for those serving and our veterans.

A VA mortgage loan (also known as a Veterans Administration home loan) is one of the useful military benefits. If you qualify for a VA Loan, you can buy a home or build the home of your dreams.  You can also cash our refinance or refinance an existing mortgage, with as little as zero down, better than current rates, and financing up to $548,250  – higher limits if you live in certain high-cost areas like New York City Prince Georges County Maryland and other high cost areas nationally. 

Another benefit is that there is no PMI (Private Mortgage Insurance, the monthly insurance fee charged to protect the bank until you reach at least 20 percent equity) required by other FHA and conventional loans.

For most of our service-members and veterans who do qualify, a VA loan is one of their most valuable benefits over other, traditional mortgage loan types.  Let us help you qualify for your VA Home loan, military loan. The sooner you get started the better.
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VA Home Loan and Military Loan Benefits Summarized

No Down Payment Required

One of the most significant advantages of a no money down loan from VA is the ability to purchase a home without a down payment. While conventional loans typically require a down payment of 5% and FHA loans require a down payment of 3.5%, qualified VA loan borrowers can purchase a home without any upfront payment. This eliminates the need for years of saving to accumulate a substantial down payment.

No Private Mortgage Insurance

Another financial benefit of a no money down loan from is the absence of private mortgage insurance (PMI). Unlike conventional and FHA loans, which require borrowers to pay PMI if their down payment is less than 20% of the purchase price, VA loans do not have this additional cost. PMI can add a significant amount to monthly mortgage payments, making VA loans more affordable for veterans and military families.

Lower Credit Requirements

VA loan with has more lenient credit score requirements compared to conventional and FHA lenders. While conventional lenders often require a minimum credit score of 620, VA lenders may consider borrowers with lower credit scores. This flexibility allows individuals with less-than-perfect credit to qualify for a VA loan and achieve their homeownership goals.

Flexible Debt-to-Income Ratios

VA lenders also offer more flexibility when it comes to debt-to-income (DTI) ratios. While conventional and FHA lenders typically prefer borrowers to have a DTI ratio of 41% or lower, VA lenders may accept higher ratios, sometimes up to 55% or more. This can be beneficial for veterans and military families who have other financial obligations but still want to purchase a home.n

Closing Cost Assistance

The VA places limits on the closing costs that veterans can be charged when purchasing a home. Additionally, VA borrowers have the option to ask the seller to pay all of their loan-related closing costs and up to 4% of the purchase price for other expenses such as prepaid taxes and insurance. This assistance helps veterans save money and makes homeownership more affordable.

Foreclosure and Bankruptcy Flexibility

Veterans who have experienced financial setbacks such as foreclosure, short sale, or bankruptcy may still be eligible for a VA home loan. While conventional and FHA borrowers may face longer waiting periods to qualify for a new loan after these events, veterans can secure a VA loan just two years after a foreclosure or bankruptcy. This flexibility allows veterans to bounce back and achieve homeownership despite past financial challenges.

The Lifetime Benefit

Unlike some misconceptions, the VA home loan benefit is not a one-time opportunity. Veterans can use their VA loan benefit multiple times throughout their lives. Even if they have used their entitlement in the past or currently have a VA loan, they can still apply for another VA loan when purchasing a new property or refinancing an existing loan. This lifetime benefit offers veterans ongoing support and opportunities for homeownership.

VA Appraisal and Property Requirements

A unique aspect of VA home loans is the VA appraisal, which assesses the value and condition of the property. The appraisal ensures that the home is priced at fair market value and meets the minimum property requirements set by the VA. This additional evaluation provides peace of mind to veterans, ensuring that they make a sound investment and that the home they purchase is safe and suitable for their needs. Offers A Variety of VA Loan Types

The VA home loan program offers a variety of loan types to meet the specific needs of veterans and military families. In addition to traditional purchase loans, veterans can also take advantage of interest rate reduction refinancing loans (IRRRL), cash-out refinancing, and energy-efficient mortgages (EEM). These options provide veterans with the flexibility to choose the loan type that best suits their financial goals and circumstances.

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