VA LOANS
Honoring Your Service With Better Mortgage Benefits
Zero Down Payment, No PMI, and Competitive Rates for Veterans and Active Duty
Check Your VA Loan Eligibility
Thank you for your service. Let's get you into your new home with VA benefits.
✓ Zero down • ✓ No PMI • ✓ Expert support
VA Loan Programs
VA Standard
The flagship VA loan program. Zero down payment, no PMI, and some of the best rates available.
- 0% down payment required
- No private mortgage insurance (PMI)
- Loan amounts up to $2 million
- Gift funds allowed
VA IRRRL (Streamline Refi)
Refinance your existing VA loan with minimal documentation and lower your payment.
- Simplified refinancing process
- No appraisal required
- Minimal documentation needed
- Lower rates and payments
Why Choose VA Loans?
Zero Down Payment
Buy a home with no down payment required. Your service earned this benefit.
No PMI
Save thousands by avoiding private mortgage insurance premiums.
Best Rates
Competitive interest rates exclusive to veterans and active duty service members.
VA Loan Requirements
Eligibility
- Service Requirements
90+ days active duty (or 6 years National Guard/Reserves)
- Discharge Status
Honorable or General discharge required
- Certificate of Eligibility
Required to apply (we can help obtain)
Qualification
- Credit Score
Minimum 580 (higher scores get better rates)
- Debt-to-Income
Generally 41% or lower
- Funding Fee
1-3.6% (can be rolled into loan)