VA Loans

You have served this great nation of ours with pride and honor, and we want to say "Thank You" by offering you the lowest possible rates and fees, combined with excellent customer service on VA guaranteed loans!

VA guaranteed loans are made by lenders and are guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.

Other benefits of a VA loan include:

• 100% Purchase financing up to $417,000 (even in declining markets)
• Lower closing costs than other types of mortgages
• No private mortgage insurance required
• Right to prepay loan without penalties
• Mortgage can be taken over (or “assumed”) by the buyer when a home is sold.
• Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan. 
• VA to VA refinancing is a painless streamlined process with very little documentation or re-qualifying

Although mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee may be paid in cash by the buyer or seller, or in most cases, is financed in the loan amount.

A VA loan can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.

Call or email us and let us put our knowledge and experience to work for you today!

**A Certificate of Eligibility from the VA is required to qualify for the loan.