VA Loan Programs
Our VA loan program is specially designed for eligible veterans, active-duty service members, and qualifying surviving spouses. VA loans offer unique benefits, including no required down payment and no private mortgage insurance, making homeownership more accessible for those who have served our country.
VA Loan Programs
Key Features:
No down payment required for most buyers
No private mortgage insurance (PMI) required
Flexible credit requirements-most lenders look for a minimum credit score of 620, but some may accept lower scores
Competitive interest rates, often lower than conventional loans
Reduced closing costs and limits on certain fees
Eligibility Requirements:
- Must be an eligible veteran, active-duty service member, or qualifying surviving spouse
- Must obtain a Certificate of Eligibility (COE) from the VA
- Must plan to use the home as your primary residence
- Must meet service requirements, such as at least 90 days of active duty for current service members or specific periods for veterans
- Lenders will review your credit, income, and debt-to-income ratio (typically 41% or less, though higher ratios may be allowed with sufficient residual income)
