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
Jerry Smith is extremely knowledgeable and worked tirelessly to match us with the loan that best served our interests. Mr. Smith is a credit to his profession.
05/12/2026
Jerry is the best. Very knowledgeable and caring. Excellent service! 5 stars!
05/12/2026
This was the smoothest having a house built. This team was very kind, honest and professional
Elgin, TX, 05/10/2026
The transaction went very smoothly
Dothan, AL, 05/10/2026
She's the best. So very helpful. She's like family. Would highly recommend Dominique to my Family or anyone needing financial help . A Thank you isn't enough she helped us with everything. But Thank you Dominique for everything you did for us.
Shepherdsville, KY, 05/10/2026
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