VA Loans

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VA Loans: Everything You Need to Know

What is a VA home loan?

VA home loans are designed to help active-duty military or veterans become homeowners at an affordable cost. VA mortgage loans ask for no down payment, requires no mortgage insurance, allows for flexible guidelines, and many other advantages!

What are the unique benefits?

VA home loan mortgages offer the unique benefit of $0 money down! Additionally, you do not have the additional monthly cost of private mortgage insurance. Ready for more? VA home loans offer lower closing costs, highly competitive interest rates, and carry no penalties if the loan is paid off early!

What are the main points of qualification?

The first main qualification is your credit score; borrowers with lower credit scores are more likely to get approved if they apply for a VA loan. Scores can go as low as 580! Next is your loan amount; with a VA home loan mortgage, the maximum loan amount requirement is $417,000, which is higher than an FHA loan/ The third area is your debt to income ratio, and last is your VA residual income. Still have questions? Please get in contact with any of our loan officers today to get the full scoop on your eligibility!