VA Loans
Exclusively for eligible veterans, active-duty service members, and surviving spouses. No down payment. No PMI. A benefit you've earned.
VA Loan Benefits
No Down Payment
Qualified veterans can purchase a home with zero down payment — one of the most powerful benefits in all of mortgage lending.
No PMI Required
Unlike conventional and FHA loans, VA loans do not require private mortgage insurance, saving you hundreds per month.
Competitive Rates
VA loans consistently offer some of the lowest interest rates available, saving veterans thousands over the life of the loan.
Flexible Credit
VA loans have more lenient credit requirements than conventional loans, making homeownership accessible to more veterans.
Limits on Closing Costs
The VA limits the closing costs lenders can charge veterans, keeping more money in your pocket at closing.
No Prepayment Penalty
Pay off your VA loan early without any penalty — giving you full flexibility to manage your mortgage on your terms.
Who Is Eligible?
- Active-duty service members (90+ days of service)
- Veterans who served the minimum required period
- National Guard and Reserve members (6+ years)
- Surviving spouses of veterans who died in service
- Must obtain a Certificate of Eligibility (COE)
- Property must be your primary residence
Frequently Asked Questions
How do I get my Certificate of Eligibility (COE)?
We can help you obtain your COE directly through the VA's online system in most cases. You can also request it through the VA or provide your DD-214 discharge papers.
Is there a VA funding fee?
Yes, most VA borrowers pay a one-time funding fee (typically 1.25%–3.3% of the loan amount) that helps fund the VA program. Some veterans with service-connected disabilities are exempt.
Can I use a VA loan more than once?
Yes — VA loan benefits can be reused as long as you have remaining entitlement or have paid off a previous VA loan.
Can I use a VA loan to refinance?
Yes. The VA Interest Rate Reduction Refinance Loan (IRRRL) lets you refinance an existing VA loan with minimal paperwork and often no appraisal.
You've Earned This Benefit — Let's Use It
Call Lori today at 909 224 8307 or apply online now.