How Much Mortgage Do You Qualify For?
It's important to start the mortgage process with an understanding of just how much mortgage you can afford.
Read MoreVA Loans
Served your country? Get a VA loan.
If you’re an active-duty service member, veteran, or eligible surviving spouse, A VA (Veterans Affairs) loan is a great way to finance a primary residence. With low or $0 down payment options, competitive interest rates, and no mortgage insurance, it’s a simple and affordable way for veterans to get a home loan they deserve.
Features & Benefits
$0 Down Payment
There’s no down payment for eligible VA borrowers.Closing costs and fees may still apply.
$0 Application Fee
There’s no cost to apply and the application process is easy.
No PMI
There is no private mortgage insurance required with VA loans.
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Am I eligible for a VA loan?
To obtain a VA home loan, you need to meet one of these requirements:
- You are an active-duty service member, or you have been honorably discharged.
- You have at least 90 days of consecutive service during a time of war period (as defined by the VA) or you have at least 181 days of service during a time of peace.
- You have at least six years of service in the National Guard or Selected Reserve.
- You are a spouse of someone who died in the line of duty in a recognized Armed Service.
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Frequently Asked Questions
What is a VA loan?
A VA loan is a mortgage that’s backed by the U.S. Department of Veterans Affairs (VA) that helps veterans, active-duty service members, and their families purchase or refinance a home with favorable terms, like a $0 down payment and competitive interest rates. It aims to make homeownership more accessible for those who have served or are serving in the military.
Who qualifies for a VA loan?
You are eligible for a VA loan if you are an active-duty service member, honorably discharged veteran, have at least 90 days of wartime or 181 days of peacetime service, six years in the National Guard or Selected Reserve, or are the spouse of a service member who died in the line of duty.
What are the down payment options on a VA loan?
VA loans generally don’t require down payments, as the loan can finance up to 100% of the home’s purchase price.Closing costs and fees may still apply.
Are VA loans backed by the government?
Yes, VA loans are backed by the U.S. Department of Veterans Affairs (VA). This means that the lender is protected against losses if the borrower defaults on the loan, and allows lenders to offer more favorable terms like $0 down payments, competitive interest rates, and no private mortgage insurance (PMI).
How do I apply?
Get started by getting a quote, speaking with a lender or applying today.
