VA Loans

We offer fixed-rate and adjustable VA loans for those who served, or still serve, in the Military.

  • Purchasing? No Down Payment is required and Seller can pay your Closing Costs and there’s no monthly PMI!
  • Refinancing? Refi up to 90% of the value of your home. Cash-out Refinance is also available
  • Less than perfect Credit not a problem
  • First-time home buyers can get the First-time Home Buyer Tax Credit up to $8,000!
  • VA Streamline – Refinance quickly and with a reduced funding fee


Benefits of using VA's program plus 100% financing of the sales price:

  • Loans are assumable, provided the person assuming the Loan is qualified.
  • VA does not have a maximum Loan amount.  However, lenders do sell loans on the secondary Mortgage market, so they will generally limit loans to the VA limit for the county     where the property is located.  With a down payment, loans may exceed these amounts.
  • Additional assistance is offered by VA should veterans have problems making their home loan payments in the future.
    Prepayment of the loan without a penalty.
  • There is no Private Mortgage Insurance
  • Veterans must meet credit standards but loans are not “score driven”
  • The veteran does have to occupy the home as their Primary residence.
  • The veteran does not have to be a first time home buyer and may reuse his/her benefit.
  • The Lender, not VA, sets the Interest rate and Discount Points, so they may vary from lender to lender.
  • There is no private Mortgage Insurance, but VA does charge an up front VA funding fee, which may be financed.  The exception to this is that if a veteran is in receipt of VA service connect disability payments each month, he or she does not have to pay a VA funding fee.
  • The seller can pay for up to 4% of your closing costs. 
  • The veteran is not allowed to pay for the wood destroying insect (termite) report; it is generally paid by the seller.
The veteran does not have to be a first time home buyer and may reuse his/her benefit.
  • The lender, not VA, sets the Interest Rate and discount Points, so they may vary from lender to lender.
  • There is no private mortgage insurance, but VA does charge an up front VA funding fee, which may be financed.  The exception to this is that if a veteran is in receipt of VA service connect disability payments each month, he or she does not have to pay a VA funding fee.
  • The seller can pay for up to 4% of your closing costs. 
  • The veteran is not allowed to pay for the wood destroying insect (termite) report; it is generally paid by the seller.
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