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 sceptical when Jill Thompson told me she could close in 30 days but man she meant business I had no idea buying a house could be this easy Jill Thompson is the real deal and her entire team is top-tier especially Tedi and Kaylyn this team is very...
06/2/2026
Alex and his team were so amazing to work with. He was quick to respond and took his time to explain any questions I had. I really appreciated his patience and communication!
06/2/2026
Chris Squires, with Interlinc Mortgage, is always one of the very best lenders in our area. Chris works long hours and is very timely with good answers when questions are asked of him. He has a cool level head that is always a great comfort to buyers who aren't usually...
06/2/2026
Lisa and her team were wonderful to work with. They were highly communicative, responsive, and professional throughout the process, making everything easy and straightforward from start to finish.
06/2/2026
Jennifer and her team are amazing and I would use them again in a heart beat!!!
Louisville, KY, 05/30/2026
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Let us help you choose the right loan option that is best for you.