About VA Loans

We proudly offer home financing to those who serve and have served our country. If you’re a veteran or an active duty servicemember, there’s no better mortgage product for you. Guaranteed by the U.S. Department of Veterans Affairs, VA loans are specially designed with exclusive benefits—like flexible requirements and favorable terms—for veterans, active duty servicemembers, and eligible surviving spouses. Available programs include purchase and refinance options.

Why Get a VA Loan?

  • 0% down payment.
  • Credit scores as low as 550 may be accepted.
  • Credit scores as low as 600 accepted for manufactured housing.
  • Lowest interest rates available for qualifying borrowers.
  • No monthly private mortgage insurance (PMI).
  • Available for purchase or cash-out refinance.
  • Streamline refinance (IRRRL) with no appraisal and minimum documentation (current VA loans only).

You may be eligible for VA financing if you:

 Served in: Army, Air Force, Marines, Navy, National Guard, Coast Guard, Public Health Service
 Actively Served 90 Days Minimum
 Honorable Discharge or General Discharge (under honorable conditions)
 Plan to use home for your Primary Residence


You May Also Be Eligible If One Of The Following Applies To You: 

 You were discharged for a service-connected disability
 You were discharged for the convenience of the government after completing at least 20 months of a 2-year enlistment
 You completed not less than 90 days (any part during wartime) or 181 continuous days (peacetime), and
     A - were discharged because of a hardship, or
     B - were determined to have a service-connected compensable disability, or
     C - were discharged or released from active duty for a medical condition which pre-existed service and has not been determined to be service-connected, or
     D - received an involuntary discharge or release from active duty for the convenience of the Government as a result of a reduction in force, or
     E - were discharged or released from active duty for a physical or mental condition not characterized as a disability and not the result of misconduct but which did interfere with your performance of duty

 You are an un-remarried spouse of a veteran who died while in service or from a service connected disability
 You are a spouse of a serviceperson missing in action or a prisoner of war.
 Individuals with service as members in certain organizations, such as Public Health Service officers, cadets/midshipmen at service academies, officers of National Oceanic and Atmospheric Administration, merchant seamen with WWII service, and others.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.


Looking for a specific product not listed above? Give us a call and one of our loan officers will be happy to assist you.