As certified specialists in VA Loans, we’re proud to serve you.
Since its inception in 1944, the VA home loan program has helped over 22 million service members, military families and veterans achieve their dream of homeownership. Now it’s your turn. As a qualified buyer with a FICO score of 620 or higher, there’s no better time to take advantage of a VA Loan:
- No down payment
- Get cash out
- Lower monthly payments
- Lower interest rates
- No Private Mortgage Insurance required
- Limited closing costs
And give back to those who served.
Go through us for your VA Loan and we’ll donate up to $150 to Homes For Our Troops® for every loan submitted and approved. Since 2004, Homes For Our Troops has built and donated specially adapted custom homes nationwide for severely injured post-9/11 Veterans, enabling them to rebuild their lives.
We’re honored to partner with them, especially since our founder, Roland Dozois, is a former Army Green Beret and proud veteran.
Your Va Loan Options
0% DOWN TO
Buy, build or improve a home—with no down payment! A VA-backed Purchase Loan offers:
- Up to 100% financing
- 10, 15, 20 & 30-year financing options
Get cash out of your home equity to pay off
debt, or for home improvements or education.
A Cash-Out Refinance Loan replaces your current loan with a new one under different terms:
- Up to 90% LTV/financing
- 15 & 30-year financing options
An IRRRL or “Interest Rate Reduction Refinance Loan,” provides a streamlined process for refinancing your current VA loan for a lower interest rate or to shorten the repayment period.
- No appraisal
- No income verification needed
- 15 & 30-year financing options
We can help you understand your VA loan.
Many veterans and service members who are eligible don’t understand all the great benefits VA loans offer. (Neither do many lenders.) Here are some important benefits we think you should be aware of.
What are the eligibility requirements?
Your length of service or your service commitment, duty status, and character of service determine your eligibility for specific home loan benefits. You or your spouse must have satisfactory credit, sufficient income, a valid Certificate of Eligibility (COE) and meet the basic service requirements established by the Department of Veterans Affairs.
How often can I get a VA loan?
You can use your VA home loan benefit as many times as you like. Let’s say you’ve bought a starter home, and then six years down the road you start a family and need more room. You can sell your home and pay off the VA loan, and then re-use your benefit to buy your next home.
Are VA loan rates lower?
Most often, they are about .25% lower than conventional loans. They’re a lower risk for lenders because the VA backs the mortgages—and the savings are passed on to the veterans. VA loans also come with some of the lowest foreclosure rates of any loan type, which further reduces the lender’s risk.
What if I have a low credit score?
A lower credit score, bankruptcy or foreclosure don’t disqualify you from getting a VA home loan. While each lender has its own requirements, VA guidelines don’t state a minimum credit score to qualify. While many military and civilian homeowners experience bankruptcy, it doesn’t permanently bar VA-eligible homebuyers from owning a home again.
What is a VA funding fee?
In most cases, all veterans using the VA Home Loan Guaranty benefit must pay a funding fee, which reduces the loan’s cost to taxpayers since a VA loan requires no down payment and has no monthly mortgage insurance. If you’re disabled and are receiving compensation for a service-connected disability, or if you’re eligible for disability compensation, but are receiving retirement or active duty pay instead, you don’t have to pay the funding fee.