VA Loans
A thank-you to veterans, zero down and some of the best rates on the market.
You earned it. A VA loan lets you buy with $0 down, no monthly mortgage insurance, and a rate structure that's hard to beat.
About VA Loans
VA loans are backed by the Department of Veterans Affairs and available to eligible active-duty service members, veterans, and certain surviving spouses. Zero down, no monthly mortgage insurance, and competitive rates.
Key benefits
Up to 100% financing with no down payment required, a benefit you can use more than once in your lifetime.
Unlike FHA and conventional loans with less than 20% down, VA loans never charge monthly PMI. That savings alone is often $150-$300 per month.
VA loans consistently price below conventional and FHA. On a typical $300,000 loan, that can save $20,000+ over a 30-year term.
The VA limits which closing costs you can be charged, and the seller can pay up to 4% of the loan amount in concessions.
The process
- We pull your Certificate of Eligibility from the VA
- Pre-qualification based on your service history and income
- VA appraisal to confirm value and minimum property standards
- Closing (typically 25-30 days)
VA FAQ
- Yes. The VA loan benefit is reusable. Many of our clients use it to buy, later sell or refinance, and then use it again on their next home.
Not sure which one fits?
We'll help you compare. Here's what else is on our rate sheet.
Ask about VA loans
Lee answers personally. Usually within a business hour.