We have helped veterans achieve their dream of home-ownership! It’s our mission to serve and educate veterans so they can own a piece of land that they swore to defend. We offer unparalleled service and expertise. Get aligned with the truth of your VA Home Loan Benefits. Our team's expertise provides a smooth loan process for the borrower, often closing within a month. Do not let anyone tell you it takes too long to close a VA Loan!
100% financing, offering no money down options
No private mortgage insurance needed, thanks to the guaranty provided by the VA
Flexible qualification requirements
Closing costs and the VA Funding Fee can be borrowed and rolled into the loan
The VA home loan remains one of the only lending programs on the market that offers a *zero down payment mortgage. Most lending programs require at least some form of down payment, with popular amounts ranging from *3.5% to 20%. So if you’re purchasing a $200,000 home, that could mean coming up with at least $7,000 and as much as $40,000. Borrowers using the VA loan can purchase immediately with no money down, avoiding years of saving up and paying rent to someone else.
VA loans do not require mortgage insurance, even when the home buyer is putting no money down. As a result, the buyer not only saves cash up front but can also save thousands over the lifetime of the loan and give the buyer more purchasing power when shopping for a home.
The VA home loan has very flexible underwriting guidelines compared to conventional mortgage and other types of home loan financing. Credit scores can go as low as 40 points lower than conventional loans, and underwriters can approve the loan based on makes-sense financing.
VA loans also allow for a higher debt-to-income ratio than other types of mortgages. Because of this, borrowers qualify for tens of thousands more in purchase price than if they used conventional financing in some markets.