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VA Home Loans

What Is a VA Loan?

A VA loan is a government-backed mortgage program created to help veterans and service members buy or refinance a home with favorable terms. These loans offer unique advantages that make homeownership more affordable and accessible.
Exclusive home loan benefits for eligible veterans, active-duty service members, and surviving spouses.
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Veterans & Active-Duty Service Members

VA loans are available to eligible military members, veterans, and qualifying surviving spouses.

Buyers Seeking Low Upfront Costs

This loan is ideal for those looking to purchase a home with minimal out-of-pocket expenses.

No Down Payment Required

Qualified borrowers can purchase a home with 0% down, making homeownership more accessible.

No Monthly Mortgage Insurance

Unlike many loan types, VA loans do not require private mortgage insurance, helping keep monthly payments lower.

VA Eligibility

Borrowers must meet VA service requirements and obtain a Certificate of Eligibility (COE).

Credit & Income Review

VA loans offer flexible credit guidelines and require stable income with a reasonable debt-to-income ratio.

Frequently asked questions

Do VA loans require a down payment?

No. Most VA loans allow qualified borrowers to buy with no down payment.

No monthly mortgage insurance is required on VA loans.

Yes. Eligible borrowers may use their VA benefit multiple times.