Created in 1944 as a means to thank our country’s servicemen and women, this loan is an excellent option for those who qualify. Not only does this type of loan require no money down, it also makes allowances for those who may otherwise be credit challenged and may be used in addition to other government offers (such as the $8,000.00 first time buyer credit). It is also possible to refinance your home with a VA loan for up to 90% of your home’s value and/or for a cash-out option.

No commissions, brokerage fees, or “buyer broker” fees may be charged when it’s a VA Refinance.

Benefits of a VA Loan

• VA loans are a good option for members of our military that are currently serving or have served in the United States military. Some Veterans, current military and/or their surviving spouses may be eligible for this type of loan. The VA loans we offer essentially act as 15 or 30 year fixed rate loan.
• When using a VA loan to purchase a home no down payment is required.
• First time buyers who qualify for VA loans may also be eligible for the $8,000.00 tax credit offered on homes purchased prior to April 30, 2010.
• The funding fee may be waived for disabled veterans and/or surviving spouses, or rolled into the loan.
• Questionable credit? No problem.
• There is no monthly private mortgage insurance (PMI) required when using a VA loan.
• VA loans can also be used to refinance up to 90% of your home’s value and/or cash-out.
• VA refinance loans have lengthy repayment terms, limits on closing costs and no prepayment penalties:

If you or your family member served our country, call 1-877-867-0027 to speak with one of our loan officers and find out how your country is giving back to you!