VA Loans

VA Loans

VA Loans or Veteran’s Affairs loans are specific loans for veterans, active-service-duty members and their families to purchase a home. They can also be utilized by widowed military spouses. VA Loans are backed by U.S. Department of Veterans Affairs and have been around since the GI Bill in 1944. For those who qualify, these loans usually don’t require down payments and come with more favorable loan terms. 

Example of VA Loans

For example, if this is your first time securing a VA Loan, the funding fee is typically 2.3 percent of the purchase price of the home you are looking to buy.

Here is a listing of the different VA loan types. After we do a specific analysis of your status as a veteran, we can figure out the best way to move forward with your loan application.

Who qualifies for VA Loans?

An applicant needs to meet one or more of the following to apply for a VA loan:

  • You have served 90 consecutive days of active service during wartime
  • You have served 181 days of active service during peacetime
  • You have six years of service in the National Guard or Reserves
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability

You will need to show proof of the above in order to secure a VA Loan. This is through obtaining a Certificate of Eligibility (COE) which we are happy to walk you through the process of getting this paperwork. To learn more about the veterans administration, click here.

To learn about all of our different types of loans, click here.

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