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VA Loan

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What is a VA Loan?

The VA loan is a $0 down mortgage option available to Veterans, Service Members and select military spouses. VA loans are issued by private lenders, such as a mortgage company or bank, and guaranteed by the U.S. Department of Veterans Affairs (VA).

The VA Home Loan was created in 1944 by the United States government to help returning service members purchase homes without needing a down payment or excellent credit. This historic benefit program has guaranteed more than 24 million VA loans, helping veterans, active duty military members and their families purchase or refinance a home.

Today, the VA Mortgage is more important than ever. In recent years, lenders nationwide have tightened their lending requirements in the wake of the housing market collapse, making the VA loan a lifeline for Veterans and active Military homebuyers, many of whom find difficulty when faced with tough credit standards and down payment requirements.

Like all home loans, VA Mortgages have considerable details and information to review. We encourage you to use our website’s educational resources to learn about the specifics of this exclusive home loan benefit. To start your VA Loan, talk with a Home Loan Specialist today

Your Complete Guide to the VA Home Loan

The VA Loan Process

VA Loan Preapproval

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The House Hunt

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Getting Under Contract

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VA Loan Underwriting

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Your VA Loan Closing

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VA Loan Eligibility Requirements

VA Loan Certificate of Eligibility (COE)

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Documents Required to Obtain a COE

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How Spouses can Obtain their COE

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Additional VA Loan Eligibility Requirements

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VA Loan Credit and Income Requirements

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Common Questions about VA Loan Rates

Can I qualify for a VA loan?
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What if I have had credit problems in the past or have filed bankruptcy?
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How much money do I need for a down payment and closing costs?
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Who sets VA loan rates?
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How do VA loan rates compare with the rest of the market?
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How often do rates change?
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What is APR?
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In ac hendrerit libero. Nulla tincidunt arcu at viverra facilisis. Vestibulum id tristique risus. Donec tempus nec metus vel laoreet. Sed elementum est ut magna sodales, vel placerat urna elementum.