why our team loves VA loans
VA loans are government-backed and offered by private lenders. They were created to help eligible veterans, active-duty service members, National Guard, and surviving spouses buy, build, or refinance a home. VA loans make homeownership more accessible to those who've served our country, and we're honored to offer them.
VA Loans At A Glance
VA loans are exclusively for eligible veterans, active-duty service members, and some surviving spouses. Backed by the Department of Veterans Affairs, they offer $0 down payment options, no mortgage insurance, and flexible guidelines.
Highlights
- $0 Down Payment: Buy a home with no down payment.
- No Monthly Mortgage Insurance: Goodbye, PMI.
- Flexible Credit Requirements: Great for a wide range of buyers.
- Competitive Rates: Often lower than conventional loans.
- One-Time VA Funding Fee: Can be financed into the loan; waived for many disabled vets.
VA Loan Guidelines
- Eligibility: Must be an eligible veteran, active-duty service member, reservist, or qualifying surviving spouse.
- Down Payment: None required.
- Mortgage Insurance: None required.
- Funding Fee: One-time fee (can be financed); waived for many disabled veterans.
- Property: Primary residence only—single-family homes, condos, VA-approved multi-unit homes.
Pros of VA Loans
- No Down Payment Necessary: A huge plus for first-time buyers or those with limited savings.
- No Mortgage Insurance Costs: Unlike conventional loans, VA loans don't require private mortgage insurance.
- Low Interest Rates: VA loans typically have better rates than conventional and FHA loans.
- Flexible Credit Requirements: Lower credit scores can still qualify.
- Reusable: You can use your VA loan benefit more than once, as long as you pay off the original loan or meet entitlement guidelines.
Best for…
Veterans and active-duty military
Buyers with limited savings
Households seeking lower monthly payments
Buyers who’ve faced past credit or financial challenges
Veterans planning to reuse their VA benefit in the future
Free Guides & Resources
Our favorite kind of buyer? A confident one. Brush up on your loan knowledge, get an accurate quote, and let's get to it.
