VA Loan
Veteran benefit. No down payment.
VA Loans are exclusive to veterans and active-duty military members, offering no down payment, flexible qualifications, and additional savings compared to traditional loan programs.


VA Loan
features
VA Loan
Benefits
With no down payment and no PMI requirements, VA loans significantly lower the upfront and ongoing costs of buying a home.
Due to the government backing, VA loans often offer lower interest rates than conventional loans, helping homebuyers save over time.
VA loans include options like the VA Interest Rate Reduction Refinance Loan (IRRRL), which allows existing VA borrowers to easily refinance to a lower rate.
VA loans come with borrower protections, including limitations on closing costs and the ability to request help from the VA if you face financial difficulties.
FAQs
VA loans usually close in about 30 to 45 days. The timeline can depend on how quickly the Certificate of Eligibility (COE) is obtained, how responsive the buyer is with providing documents, and the appraisal results.
For a VA loan, you’ll need income and asset verification and your Certificate of Eligibility from the VA. You’ll also need standard documents such as tax returns, pay stubs, and bank statements.
Yes. VA loans require a VA appraisal to confirm the home’s value and ensure it meets minimum property standards. The process is similar to other appraisals, but it includes specific VA guidelines.
To qualify for a VA loan, eligibility is based on military service, veteran status, or being a surviving spouse. You must have a Certificate of Eligibility (COE) and also meet standard income and credit qualifications.
A VA loan is a government-backed mortgage for eligible veterans, active-duty service members, and some surviving spouses. It offers no down payment and no private mortgage insurance.
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