VA Home Loans

Up to 100% Financing - Apply Now

Benefits of a VA Mortgage Loan

Purchase Loan
  • Great Rates / Low Fees
  • No Down Payment / No Loan Limits
  • Mo Monthly Mortgage Insurance required
  • Simple Qualifying / Flexible Underwriting
  • Seller Paid Closing Costs to 40%
  • Higher Debt to Income Ratios Allowed
  • Alternate Credit Allowed
  • Manufactured Housing OK (Subject to Restrictions)

Refinance Loan

  • Streamline Option – VA IRRL Rate and Term
  • No appraisal / No Income Documentation Required
  • Full Rate and Term / Cash out Options 90% Loan to Value
  • Costs can be rolled into the Loan

VA loans have low or no down payment options available and do not have a mortgage insurance requirement resulting in lower monthly payments compared to other options.

  • Loan Amount: up to $1,000,000
  • Terms: Up to 30 Years
  • Financing (Purchase or Rate and Term Refinance): up to 100%
  • Financing (Cash Out) Option: up to 90% of loan value
  • No mortgage insurance required
  • No appraisal required (VA Interest Rate Reduction loans)
  • Zero closing cost option
  • Interest rate reduction loans (VA Refinance)
VA Rates

2.750 %
3.047 % APR

30 Year VA

100% loans to Conforming
Jumbo Options available

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Minimum FICO Credit Score620
Minimum Down Payment0%
Maximum Loan To Value100%*
Maximum Debt To Income41%*
Exceptions to 50%
Mortgage InsuranceNo
Years Since Bankruptcy2
Years Since Foreclosure2
Years Since Short Sale2
Special Qualification RequirementsMust be U.S. Veteran

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