Loan programs · VA
VA Loans
Benefits earned through service, with flexible options for eligible veterans, service members and surviving spouses.
Takes about 2 minutes. A quick inquiry, not a loan application.
Who it's for
Often a fit for veterans, active-duty service members and eligible surviving spouses.
If you have served our country, you have earned one of the most valuable home loan benefits available. We help you put it to work.
Veterans
Veterans with qualifying service history may be eligible to use the VA home loan benefit.
Active-duty service members
Active-duty service members can use the benefit to buy a home while serving.
Eligible surviving spouses
Eligible surviving spouses of service members may also qualify for a VA loan.
The details
How VA loans work
VA loans are governed by the U.S. Department of Veterans Affairs and funded by private lenders. Buyers still need to qualify, so lenders review your credit, income, eligibility and the property. Eligibility is confirmed through your VA Certificate of Eligibility (COE), and we can help you understand how to obtain and verify it before you start shopping for a home.
A VA appraisal helps establish the property’s reasonable value and assess VA minimum property requirements. It is not a substitute for a separate home inspection. You may also be responsible for closing costs, which can be negotiated with the seller, so it is worth discussing with your real estate agent before making an offer.
30-, 25-, 20- and 15-year terms are all available with fixed rates. 5-year adjustable rate mortgage available. Jumbo VA loans available. VA Streamline Refinance, with a reduced funding fee and flexible documentation requirements, is available for veterans currently in VA loans. You can pay your mortgage off at any time without prepayment penalties.
As an independent mortgage broker, we are not tied to one bank’s VA loan pricing. We compare fees and terms across lenders, explain your options in plain language, and guide you from pre-approval to closing.
Why borrowers choose VA
- No monthly private mortgage insurance (PMI)
- Options for purchase, refinance or improvements
- VA Streamline Refinance for current VA borrowers
- No prepayment penalties
How it works
One conversation. Many lenders. Your choice.
As a broker, we don’t have one loan to sell you. We compare programs across lenders and walk you through the trade-offs in plain language.
Tell us your goal
A short inquiry: what you want to do, and how to reach you.
We review your options
A licensed loan officer looks at programs across our lender network.
You choose
Compare the trade-offs side by side. No pressure to move forward.
We guide you to closing
Application, processing and underwriting, with one team keeping you updated.
Who is eligible for a VA loan?
You may be eligible if you are a veteran with qualifying service history, an active-duty service member, or an eligible surviving spouse of a service member.
What is a Certificate of Eligibility (COE)?
The COE confirms your eligibility for the VA home loan benefit. We can help you understand how to obtain and verify it before you start shopping.
Does a VA loan require mortgage insurance?
VA loans do not require monthly private mortgage insurance. A VA funding fee may apply, and we will walk you through the full costs.
Is a VA appraisal the same as a home inspection?
No. The appraisal helps establish the property’s reasonable value and checks VA minimum property requirements. A separate home inspection helps you understand the property’s condition.
How much do I need for a down payment?
It depends on the program, the property and your situation. We’ll walk you through what each option requires.
How long does the mortgage process take?
It varies with the loan program and your application. Once we review your situation, a licensed loan officer will walk you through what to expect.
Compare programs
Explore other loan programs
Program availability, eligibility and guidelines vary by lender and may change without notice. All loans are subject to credit approval, underwriting guidelines and property eligibility. This is not a commitment to lend.
See what's possible for your next move.
Two minutes to tell us your goal. A licensed loan officer follows up personally.