The ultimate guide to

VA Loans

The Benefits of a VA Loan

VA Loans assist our nation’s military service members and veterans.

No Down Payment

Qualifying borrowers with sufficient VA entitlement may buy with no money down.

Seller Paid Closing Costs & Concessions

VA loans allow the seller to pay customary closing costs for the buyer as well as up to 4% of the sales price in concessions.

Competitive Interest Rates

VA loans offer fixed and variable rates which compare well verses other conventional loans.

No monthly mortgage insurance

VA loans do not charge a monthly mortgage insurance premium. Therefore, it is tough to beat a VA loan monthly payment.

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Explore VA Loans

If you’re ready to learn more about VA loans, you’re in the right place! We have a long-standing history of helping our military community finance their dream homes. Explore our resources and start finding answers to your questions.

All VA Loan Resources

General

Do I Qualify for a VA Loan?

If you are military, it's likely you have VA entitlement. To see if you qualify, check out a basic list of requirements here.

What are the benefits of a VA Loan?

No Down Payment, Competitive Interest Rates, Seller-Paid Closing Costs, and NO PMI - and more!

How do I get a VA Loan?

Start by filling out a Quickstart application. From there, one of our VA loan experts will walk you through the process step by step.

Do you have a VA Loan Calculator?

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How does a VA Loan compare with a conventional loan?

Great question! Check out our loan comparison breakdown here.

How much house can I afford with a VA Loan

Your loan qualification is based on your income, debts, and a few other factors. You can use our mortgage calculator for an estimate or confirm your estimate by contacting our team.

Rates

What are current VA Loan Interest Rates?

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What are the best VA Loan Rates?

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Costs & Fees

What are VA Loan costs and fees?

The VA buyer will be responsible for the VA Funding Fee. Calculate your estimated fee here and learn more here.

Qualifications & Rules

Do I Qualify for a VA Loan?

It’s easy to find out. Check out this blog post to determine the basics and contact us to get a solid confirmation.

What credit score do I need for a VA Loan?

It depends. VA loans do not require a minimum credit score. Learn more about credit score requirements here.

What are the requirements for VA Loans?

Excellent question. Check out our VA loans 101 blog for a list of requirements.

What are the VA Loan Limits for 2021?

As of 2019, VA loan limits do not exist unless this is a second-use purchase.

How do VA Lenders use the Residual Income chart to determine VA Eligibility?

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How many times can you use a VA Loan?

VA loans can be used more than once. More details on the mechanics of this here.

Can I get a VA Loan with Bad Credit?

VA loans have above average flexibility on credit score, but there are still certain minimum standards that you have to meet. Read more here. If your credit isn't perfect, we can help put together a plan to raise it!