Unlock the Home You Deserve
with a VA Loan
No down payment • Competitive rates • Backed by the VA
Your VA Loan Starts Here!
$0 Down Payment Options Available
Competitive Interest Rates
No Private Mortgage Insurance (PMI)
Streamlined Approval Process
Backed by the Dept of Veterans Affairs
Purchase Loan
Buy your dream home with no down payment and competitive VA rates. This benefit is available exclusively to veterans, active-duty service members, and eligible spouses — making homeownership more affordable and accessible than ever.
Cash-Out Refinance
Tap into your home’s equity with a VA cash-out refinance. Use the funds for home improvements, debt consolidation, or major expenses — all with flexible guidelines and no private mortgage insurance (PMI).
Interest Rate Reduction Refinance (IRRRL)
Lower your monthly payments quickly with a streamlined VA refinance. The IRRRL program requires minimal paperwork, no appraisal in many cases, and helps you lock in a lower interest rate with ease.
Purchase Loan
Buy your dream home with no down payment and competitive VA rates. This benefit is available exclusively to veterans, active-duty service members, and eligible spouses — making homeownership more affordable and accessible than ever.
Cash-Out Refinance
Tap into your home’s equity with a VA cash-out refinance. Use the funds for home improvements, debt consolidation, or major expenses — all with flexible guidelines and no private mortgage insurance (PMI).
Interest Rate Reduction Refinance (IRRRL)
Lower your monthly payments quickly with a streamlined VA refinance. The IRRRL program requires minimal paperwork, no appraisal in many cases, and helps you lock in a lower interest rate with ease.
You’ve Got Questions, We’ve Got Answers
What is a VA Loan and who is eligible?
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, designed to help eligible veterans, active-duty service members, National Guard, Reservists, and certain surviving spouses purchase or refinance a home. Eligibility is based on service duration, duty status, and discharge conditions.
Do I need a down payment for a VA Loan?
No — one of the biggest benefits of a VA loan is that it typically requires no down payment. This allows you to purchase a home with 100% financing, making homeownership more accessible.
Are there any credit score requirements for a VA Loan?
While the VA doesn’t set a minimum credit score, most lenders look for a score of around 620 or higher. However, some may offer flexibility based on your overall financial profile.
Can I use a VA Loan more than once?
Yes. VA loan benefits are reusable as long as you meet the entitlement requirements. You can even have more than one VA loan at the same time in certain circumstances.
Are VA Loans only for first-time homebuyers?
Not at all. VA loans can be used by both first-time and repeat homebuyers, as long as you have remaining entitlement and the home will be your primary residence.
What types of properties can I buy with a VA Loan?
You can use a VA loan to purchase a single-family home, condo, multi-unit property (up to 4 units), or even a manufactured home — as long as it meets VA and lender guidelines and will be your primary residence.
What are the closing costs on a VA Loan?
VA loans limit the closing costs veterans can be charged, and some fees can be paid by the seller. You’ll also pay a one-time VA funding fee, which can be rolled into the loan. This fee helps sustain the program and varies based on your service history and down payment amount (if any).
Can I refinance with a VA Loan?
Yes. The VA offers two refinancing options: the Interest Rate Reduction Refinance Loan (IRRRL) for lowering your rate, and the VA Cash-Out Refinance, which allows you to tap into your home’s equity — even if your current loan isn’t a VA loan.
