VA or Veteran's Mortgage

A VA mortgage is a mortgage reserved for those men and women who served or are serving in our armed forces.   A VA loan is a 100% mortgage with no mortgage insurance and reduced fees. Get qualified today!

VA's Home Loan Program is for veterans and active duty military personnel (referred to as veterans throughout the rest of the document) and certain members of the reserves and National Guard.  VA's program provides an excellent product and benefit for those individuals who have served or are serving to protect our families and our nation, as well as giving them a form of financing that will allow real estate professionals to sell more homes.

For those who are unfamiliar with the program, there are several advantages to using VA's Home Loan Program.  The VA allows a veteran who qualifies income and credit-wise to purchase a primary residence without putting money down towards the sales price, as long as the sales price does not exceed the appraised value.  Veterans do, however, need money towards closing costs and the earnest money deposit, which the seller generally requires when a sales contract is signed.  Closing costs may be paid by the seller, which is an item to consider when the sales price is being negotiated.

General rules for eligibilty.

Frequently asked questions.

How to request a Certificate of Eligibilty.