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VA Loans
Honoring Veterans with Homeownership
VA Loans are dedicated to assisting military veterans and their families in achieving homeownership. These loans provide a pathway to owning a home with significant benefits.
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VA Loan Advantages
No Down Payment Required
One of the most significant advantages, offering the possibility of 100% financing to eligible veterans.
Exclusive Eligibility
Available exclusively to military veterans and their spouses, recognizing their service and sacrifice.
Flexible Closing Costs
Closing costs can be covered by gifts or grants, easing the financial burden associated with purchasing a home.
VA Loan Requirements
Here's what you'll need to get started.
- Credit Score Minimum credit score of 620
- Debt-to-income ratio Max 50% DTI
- Occupancy Required Must be primary residence
- Homebuyer Education No homeownership course required
- Loan Term 30-year mortgage term
Qualifications
Must meet at least one of the following criteria:
Qualifications
Must meet at least one of the following criteria:
- Served 90 consecutive days during wartime
- Completed 181 days of service during peacetime
- Served over six years in the National Guard or Reserves
- Spouse of a service member who died in the line of duty or due to a service-related disability
Connect with a VA Loan Expert
Our Loan Experts are available to answer all your questions.
VA Loan Refinancing
No Out of Pocket Costs
You pay nothing upfront at closings.
Roll Closing Costs
Upfront costs can be rolled into the loan.
Simplified Process
Our Loan Experts make the process easy and stress-free.
VA Loan FAQs
Are VA Loans inferior loan products?
VA Loans offer some of the most favorable terms available, with eligible buyers able to secure financing without requiring a down payment. In 2025, the maximum VA loan amount is $806,500 for most borrowers with partial entitlement, and up to $1,209,750 in high-cost areas.
Do you need excellent credit to qualify?
A typical credit score of 620 or higher. VA Loans are more forgiving than conventional loans regarding your credit history.
Do VA Loans have lengthy closing times?
VA Loans close quickly and have higher closure rates than conventional and FHA loans. Recent improvements have streamlined the VA Loan Guaranty Program.
Does No Down Payment make VA Loans risky?
VA Loans have been the safest option since the housing crash. Despite requiring $0 down, they've had the lowest foreclosure rate of any mortgage type in the past seven years.
Is it a one-time benefit?
It’s for LIFE. Qualified Veterans can repeatedly use the VA Loan Guaranty Program. It's possible to have multiple active VA Loans simultaneously, and foreclosure on one doesn't disqualify you.
What is a VA Interest Rate Reduction Refinance Loan (IRRRL)?
A VA IRRRL, also known as a VA Streamline Refinance, is a refinancing option that allows veterans and active-duty service members to lower their interest rates and monthly mortgage payments with minimal paperwork and no out-of-pocket costs.
Am I eligible for a VA IRRRL?
If you have an existing VA-backed home loan and are current on your payments, you may be eligible for a VA IRRRL. This refinance option is available to veterans, active-duty service members, and eligible surviving spouses.
Can I roll closing costs into the new loan with a VA IRRRL?
Yes, one of the key benefits of a VA IRRRL is that you can roll your closing costs into the new loan, meaning no out-of-pocket expenses at closing.