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VA Loans

A VA (Veterans Affairs) mortgage loan is a government-backed loan program designed to assist veterans, active-duty service members, and eligible surviving spouses in realizing their homeownership goals.

One of the most significant advantages of a VA mortgage loan is the opportunity for eligible borrowers to finance a home with little to no down payment. In many cases, VA loans allow for 100% financing, eliminating the need for a substantial upfront payment. This feature can be particularly beneficial for veterans and service members who may have limited savings or want to preserve their funds for other purposes.

VA loans also offer competitive interest rates that are often lower than those of conventional loans. This can result in substantial savings over the life of the loan, making homeownership more affordable for borrowers.

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Another key benefit of VA loans is the absence of private mortgage insurance (PMI). Unlike conventional loans, which typically require PMI for borrowers with a down payment less than 20%, VA loans do not have this additional monthly cost. This can further reduce the overall monthly mortgage payment for VA loan borrowers.

VA loans are known for their flexible eligibility criteria. The program considers factors such as military service, length of service, and discharge status when determining eligibility. This inclusivity allows more veterans and service members to qualify for the benefits of a VA loan.

We honor and appreciate your service, and we are here to help you take advantage of the benefits offered by VA mortgage loans. Contact us today to learn more and embark on your homeownership journey with a VA loan.

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