VA Loan
VA Loans help eligible veterans and active-duty service members buy or refinance a home with no down payment, no PMI, competitive rates, and flexible qualification benefits.
No-impact credit check. No commitment.
A VA Loan gives eligible military borrowers a powerful path to homeownership with zero down, easier qualification, and valuable refinancing options.
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No down payment required
Refinance up to 100% of your home's valueNo PMI for lower monthly costsSeller-paid closing costs may be allowedGovernment backing can make approval easierVA Streamline Refinance may be availableSome disabled veterans may qualify for a funding fee waiverAs a rule of thumb, almost all active duty or honorably discharged service members are eligible for a VA loan.
I served 181 days during peacetime. (Active Duty)I served 90 days during wartime. (Active Duty)I served 6 years in the Reserves or National Guard.I am the spouse of service member who was killed in the line of duty.I currently receive disability payments from the VA.We take what our customers think of us very seriously. We are partners in your business and your success is ours.
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You’ve got home equity questions. We’ve got answers.
Yes, the VA Funding Fee is required. It is a fee paid directly to the Department of Veterans Affairs so they can guarantee your loan and provide you with the opportunity to receive a loan with little to no money out of pocket.
The VA Funding Fee depends on several factors, including whether you are Active Duty, Retired, Guard or Reserve, whether this is your first-time use, subsequent use, or a cash-out refinance, and how much of a down payment you are making. The fee can range from as little as 1.25% up to 3.3% of the loan amount. Generally, the more money you put down, the lower the funding fee. Contact us to determine the exact cost for your situation.
No, you do not have to pay the VA Funding Fee out of pocket. You can include the fee in your loan and pay it over the life of the loan.
Yes, you will still need to pay normal closing costs such as appraisal, title, and escrows. However, with a VA loan, if you are purchasing a new home, the seller can pay for all or part of your closing costs.
A VA Streamline Refinance is an option available if you already have a VA mortgage and want to lower your interest rate with little or no out-of-pocket closing costs. It typically does not require bank statements, W-2s, job verification, or pay stubs.
