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.
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.
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All VA Loan Resources
General
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.
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?
Interest rates are based on a variety of factors. Learn how VA interest rates stack up to other loan program options.
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?
VA loan underwriters are using this calculation to determine your ability to make your VA loan monthly payment and other expenses.
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!
What is the maximum amount I can get with a VA Loan?
There’s no max amount! VA loan limits no longer exist unless you are using your VA loan for a second time.
VA Loan Types
What is a VA Refinance Loan?
The opportunity to refinance a current loan into a VA loan or to refinance your current VA loan to obtain a lower interest rate.
What is a VA Construction Loan?
A VA loan can be used to finance a new construction build. A VA Builder ID is required for this process.
What is a VA renovation Loan?
The perfect loan for a VA buyer who wants to include renovation costs into their loan amount. Learn more here.
What is a VA Streamline IRRRL?
VA IRRRL is a streamlined refinance program for existing VA borrowers. IRRRL stands for interest rate reduction refinancing loan and has several huge benefits for Veterans.
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Topics covered include:
- VA Loan Benefits
- Frequently Asked Questions
- Documents Needed
- How to Get Started
- The VA Process
Apply in 15 Minutes
Get your mortgage using our online application tool, QuickStart. See how it works below.
1. Create an Account
Choose your username and password to begin your QuickStart application.
2. Fill Out Application
Tell us about yourself and your financial situation so we can find loan options.
3. Review & Submit
Double-check the information you’ve entered and make any edits before you submit your application.
4. Upload Documents
Submit documents to help us verify your application. We may request follow-up items as we review your application.
1. Create an Account
Choose your username and password to begin your QuickStart application.
2. Fill Out Application
Tell us about yourself and your financial situation so we can find loan options.
3. Review & Submit
Double-check the information you’ve entered and make any edits before you submit your application.
4. Upload Documents
Submit documents to help us verify your application. We may request follow-up items as we review your application.
Talk to a Loan Officer
Get a personalized plan or ask any questions to our dedicated loan officers.
