Guiding You The Right Way
Thank You for Your Service, Let Us Serve You
VA loans are one of the most powerful benefits you've earned. $0 down, no PMI, and competitive rates. We're honored to help you use this benefit.
You've Earned This Benefit, Don't Leave It on the Table
Too many veterans and active military members don't realize how powerful the VA loan benefit is. Or they work with lenders who don't specialize in VA loans and make the process harder than it should be.
You served your country. You've earned $0 down, no PMI, and competitive rates. You deserve a lender who understands VA loans inside and out—and who treats you with the respect you've earned.
Why VA Loans Are Unmatched
No PMI
Unlike conventional loans, VA loans don't require Private Mortgage Insurance, even with $0 down. That saves you hundreds per month.
Competitive Interest Rates
VA loans typically offer lower rates than conventional loans, saving you thousands over the life of the loan.
Flexible Credit Requirements
VA loans are more forgiving of credit challenges. We'll work with you to find the best path forward.
How to Use Your VA Loan Benefit
Active Duty Service Members
Served 90+ consecutive days during wartime or 181+ days during peacetime.
Veterans
Served the minimum active duty requirement and received an honorable discharge.
National Guard & Reserves
Served at least 6 years and received an honorable discharge, or currently serving.
Surviving Spouses
Spouses of service members who died in the line of duty or from service-connected disabilities.
VA Loan Requirements
What You Need to Qualify
Already Have a VA Loan? Refinance to Save More
VA IRRRL (Streamline Refinance)
What It Is: The fastest, easiest way to refinance your existing VA loan to a lower rate.
Benefits:
- No appraisal required (usually)
- Minimal paperwork
- Lower interest rate
- Reduce monthly payments
VA Cash-Out Refinance
What It Is: Refinance your existing loan (VA or conventional) into a new VA loan and take cash out for home improvements, debt consolidation, or other needs.
Benefits:
- Access your home equity
- No PMI even with cash out
- Competitive rates
- Use funds for any purpose
Common VA Loan Questions
The VA funding fee is a one-time fee (typically 1.25-3.3% of the loan amount) that helps sustain the VA loan program. It can be rolled into your loan. First-time use is lower; disabled veterans may be exempt.
Yes! Your VA loan benefit can be reused as long as you've paid off the previous VA loan or sold that property. Some veterans can have multiple VA loans simultaneously.
There's no maximum loan amount, but there are county-by-county limits for 0% down purchases. You can borrow above the limit with a down payment.
VA loans require homes to be move-in ready and meet minimum property standards. Major renovations typically don't qualify, but minor repairs are fine.
Yes, but the condo complex must be VA-approved. We can help you check approval status.
Typically 1-2 weeks, though it can vary by location and appraiser availability.
The VA doesn't set a minimum credit score, though most lenders prefer 620+. We can work with lower scores depending on compensating factors.
Use the Benefit You've Earned
You served your country with honor. Let us serve you with the same commitment. Get pre-approved for a VA loan today.