Home Buying → VA Loans
Knowledgeable, Respectful Guidance
Mortgage support for those who've served, handled with clarity and care. You've earned these benefits—let us help you use them.
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What Is A VA Loan?
VA loans are a powerful benefit earned through military service. They offer 100% financing with no down payment, no PMI, and competitive interest rates. It's one of the best mortgage programs available—and you've earned it.
The Department of Veterans Affairs guarantees a portion of the loan, which protects lenders and allows them to offer exceptional terms. This means you can buy a home with zero down payment, avoid private mortgage insurance, and often get better rates than conventional loans.
VA loans aren't just for first-time buyers—you can use your benefit multiple times. Whether you're buying your first home, upgrading, or refinancing, we'll help you maximize this valuable benefit.
Why Choose A VA Loan?
Zero Down Payment
100% financing with no down payment required. Keep your savings for moving, furniture, or emergencies.
No PMI
No private mortgage insurance required. This can save you hundreds of dollars every month compared to conventional loans.
Competitive Rates
Often better rates than conventional loans. VA loans typically have lower interest rates, saving you money over the life of the loan.
Flexible Credit
More lenient credit requirements. VA loans are more forgiving of past credit issues than conventional loans.
Eligibility & What To Expect
Who Qualifies
- Veterans with 90+ days active service
- Active-duty service members (6+ months)
- National Guard/Reserves (6+ years)
- Eligible surviving spouses
The Process
- Get your Certificate of Eligibility (COE)
- Pre-approval in 24-48 hours
- Property must meet VA minimum standards
- Average closing time: 30-45 days
We Honor Your Service
VA loans are our specialty. We understand the process, respect your service, and make sure you get every benefit you've earned.
You've Earned This Benefit
Let's help you use your VA loan benefit. We'll check your eligibility, explain all your options, and guide you through every step with respect and clarity.