VA Mortgage

Thank you for your service! VA loans are for our nation’s veterans and military personnel to purchase a new home or refinance their existing property. VA loans are guaranteed by the federal government.

VA Home Purchase

  • Standard and Jumbo options available
  • Minimum credit score as low as 580
  • 0% down payments*
  • No mortgage insurance required
  • Maximum Loan-To-Value (LTV) of 100%
  • Option for seller to pay all closing costs
  • 1-4 unit owner-occupied properties are eligible
  • Fixed and Adjustable rate options
  • Competitive interest rates
  • One-time funding fee for most veterans

VA Refinance ("IRRRL")

  • Refinance an existing VA loan
  • Competitive interest rates
  • Less paperwork and fast closing
  • Easy credit score qualification
  • No mortgage insurance required
  • Low one-time funding fee for most veterans

VA Cash-Out Refinance

  • Financing up to 100% of your home value is available in most cases
  • No mortgage insurance required
  • Properties with existing VA loans and other mortgage types can qualify
  • One-time funding fee for most veterans

Benefits of a VA Loan – a more affordable option!

Because VA loans are backed by the U.S. Department of Veterans Affairs, veterans can buy a house with no down payment.

There’s no Mortgage Insurance required when you purchase or refinance with a VA loan.

There is a one-time funding fee that most veterans will pay when they choose a VA loan. This fee helps the VA cover losses on mortgages that might default. The fee is based on your service, your down payment, and if you’ve had a VA loan before.

Interest rates that are competitive with rates on other loans because VA Loans are backed by the U.S. Department of Veterans Affairs.

Don’t let a lower credit score stop you from applying! More flexible credit score requirements for VA loans.

Recent regulation changes now allow veterans to qualify for a VA loan with no down payment. Standard loan amounts are up to $548,240. Jumbo loans are also available.

The VA requires commissions for real estate professionals, brokerage fees, and buyer broker fees be paid by the seller. You can also negotiate with the seller items such as origination fees, discount points, and the VA funding fee.

Paying off a loan sooner than your term requires carries no penalties.


The VA IRRRL program is sometimes called a streamline refinance. Streamline refinances help veterans take advantage of lower rates with less paperwork and faster closings. Veterans can only use the IRRRL program to refinance an existing VA loan into a new VA loan.

Surviving spouses of veterans can get approved for a VA loan and they are not required to pay the funding fee when they do.

Whether you are currently serving or served 40 years ago, you can use a VA loan to buy or refinance a home. And you can keep using your loan benefit. For example, if you bought a starter home and are ready to move up, you can re-use your benefit for your new home purchase.