Loan Programs




VA home loan purchases, have options for 0% down payment, No private mortgage Insurance requirements, competitive interest rates, with specific qualification requirements. VA Interest rate reduction loans (IRRRL) are only for Veterans who currently have a VA loan, current loan rate restrictions apply, and limits to recoupment of costs and fees apply. VA Cash-out Refinances are available for Veterans with or without current VA loans. Policies and guidelines may vary and are subject to the individual borrower(s) qualification. Program and Lender overlays apply.

VA Loan Highlights

No Down Payment Required:

VA loans offer the remarkable advantage of requiring no down payment, making homeownership more accessible for eligible veterans and active-duty service members.

No Private Mortgage Insurance (PMI):

VA loans eliminate the need for private mortgage insurance (PMI), further reducing the overall cost of homeownership for eligible veterans.

Flexible Credit Requirements:

VA loans are known for their flexible credit requirements, offering opportunities for individuals with varying credit histories to qualify for favorable terms.

Streamlined Refinancing with IRRRL:

Take advantage of the Interest Rate Reduction Refinance Loan (IRRRL) program, simplifying the refinancing process for existing VA loan holders and potentially lowering interest rates.

Entitlement Restoration:

Veterans who pay off their VA loans can have their entitlement restored, allowing them to use their home loan benefits again in the future.

Support for Veterans with Service-Related Disabilities:

VA loans provide additional support for veterans with service-related disabilities, offering specific programs and adaptations to make homes more accessible.

Community Development Focus:

Contribute to community development by choosing a VA loan, as the program aims to support veterans in achieving stable homeownership and strengthening neighborhoods.

Homebuyer Education and Counseling:

Access resources and counseling services to enhance your financial literacy and make informed decisions throughout the homebuying process.

Variety of Property Types:

VA loans can be used to finance various property types, including single-family homes, condominiums, and multi-unit properties, providing flexibility for veterans and their families.

Have Questions? Contact LOAN OFFICER Today!