VA-Focused Mortgage Guidance
If you served, your mortgage should work as hard as you did. $0 down, no PMI, competitive rates — and a team that specializes in VA lending.
Why VA Loans Stand Out
Created by the federal government to reward military service with the most borrower-friendly mortgage program available.
$0 Down Payment
0% down purchase financing may be available to eligible borrowers; refinance options vary by transaction type and lender.
No PMI
Save hundreds per month. VA loans never require private mortgage insurance.
Competitive Rates
VA loans may offer competitive rates compared with other loan programs, depending on borrower profile, lender pricing, and market conditions.
Flexible Credit
The VA does not establish one universal minimum credit score, though lenders may apply their own credit requirements.
No Loan Limits (Full Entitlement)
Eligible borrowers with full entitlement may not be subject to standard VA county loan limits, subject to entitlement, lender approval, borrower qualification, and property eligibility.
Assumable Loans
VA loans can be assumed by a qualified buyer — a major advantage in high-rate markets.
Explore VA Loan Programs
From first-time purchases to streamlined refinances and custom builds.
VA Home Loans
Purchase your home with $0 down and no PMI. The most powerful mortgage benefit for those who served.
VA Refinance
Lower your rate or change your term with a VA rate-and-term refinance.
VA IRRRL
Interest Rate Reduction Refinance Loan — streamlined refinancing with minimal documentation.
VA Cash-Out Refinance
Tap into your home equity to consolidate debt, renovate, or invest.
VA Construction Loans
Build your dream home with a VA construction-to-permanent loan.
VA Eligibility Guide
Learn who qualifies for VA loans and how to obtain your Certificate of Eligibility.
VA Loan Limits
Understand VA loan limits by county and how full entitlement works.
VA Funding Fee
Learn about the VA funding fee, exemptions, and how it affects your loan.
VA Appraisal Process
What to expect during the VA appraisal — requirements, timeline, and MPRs.