VA Loans

What is a VA Loans?

VA loans are one of the most powerful mortgage benefits available to eligible veterans, active-duty service members, and surviving spouses. With no down payment required and no private mortgage insurance, VA loans often provide the best terms of any loan program.

Who It's For

VA loans are exclusively available to eligible veterans, active-duty military personnel, National Guard members, Reservists, and surviving spouses of service members.

Key Benefits

• No down payment required
• No private mortgage insurance (PMI)
• Competitive, often lower interest rates
• Limits on closing costs
• No prepayment penalty
• Can be reused multiple times

What You'll Need

• Valid Certificate of Eligibility (COE)
• Active duty, veteran, National Guard/Reserve, or surviving spouse status
• Property must be primary residence
• Satisfactory credit history
• Stable income and employment
• VA funding fee (may be waived for disabled veterans)