The right loan, every time!
A VA loan is a mortgage option guaranteed by the Department of Veterans Affairs for eligible Veterans, Service Members, and surviving spouses. VA loans offer low upfront costs and flexible qualification options.
- Low upfront costs
- No down payment required with full entitlement (up to the VA appraised value)
- No monthly mortgage insurance (PMI)
- Gift funds allowed
- No cash reserve requirements
- Sellers may pay for required repairs and closing costs
- No pre-payment penalty
- 580 minimum FICO
- VA Funding Fee applies (helps support the VA Home Loan program)
- The VA Funding Fee may be financed into the loan
- Visit VA.gov for current funding fees and loan closing costs.
If you are a veteran interested in a refinance, visit our VA Interest Rate Reduction Refinance Loan page.
To determine eligibility, provide your Certificate of Eligibility (COE) or Discharge/Separation form (DD214). If you do not have your COE, no problem! Call your loan originator today and they can pull it for you and provide further instructions.
what our customers say
I was new to the area and had no idea who to choose. When I asked my realtor who she recommended she said Alex was her favorite to work with. I’m so glad I took her advice! Alex communicated so well, made the whole process very straightforward and as easy...
07/10/2026
Good experience
07/10/2026
Jerry is fantastic. Extremely knowledgeable but can explain complex issues in easy to understand terms.
Columbus, GA, 07/9/2026
She was always available even on her vacation! Couldn't ask for much more. Thank you
Madisonville, TN, 07/9/2026
Was a very smooth process, with little to no complication. Great communication and liked that I could see everything through one site.
Colorado City, TX, 07/9/2026
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