VA Home Loans
Your Complete Guide to the VA Home Loan
What is a VA Loan?
A VA loan is a government-backed mortgage option available to Veterans, service members and surviving spouses. VA loans are made by private lenders, like mortgage companies and banks, and not the Department of Veterans Affairs.
Am I Eligible for a VA Loan?
Qualifying for a VA loan is an easy process. You will need to request for a Certificate of Eligibility (COE) and qualify based on your service history and duty status.
VA Loan Benefits
There are many VA Loan benefits such as $0 down payment, no private mortgage insurance, relaxed credit requirements and competitive interest rates. You also have access to limited closing costs and there are no prepayment penalties.
VA Loan Rates
VA Home Loans are backed by the federal government so lenders can offer lower interest rates compared to conventional home loans.
First-Time Homebuyers
Purchasing a home is an exciting milestone in any Veteran's life. Let us answer any questions you may have about buying a home.
VA Jumbo Loans
VA Jumbo Loans offer veterans many benefits compared to conventional jumbo loans. You can purchase with $0 down in higher priced areas.
Contract Guidelines
Buying a home can be an exciting time and we can help walk you through the homebuying process. We can instruct you on important things to maintain once you're under contract so there are no delays.
The VA Loan Process
The VA loan process has five key steps: Preapproval; the home search; getting under contract; underwriting; and closing. There are many advantages to a VA loan and we can help you get preapproved.
Responsible Homeownership
Homeownership remains at the heart of the American Dream. It’s important for potential homebuyers to take a serious look at whether they’re ready to handle that responsibility.
VA Home Loans
Varieties of VA home loans
We have VA home loan programmes to help you buy, build, or improve a home and refinance your current mortgage, including a VA direct loan and three VA-backed loans. Learn more about the various programmes and see if you qualify for a Certificate of Eligibility for a loan that meets your requirements.
Eligibility
Discover the requirements for a VA direct or VA-backed loan. Learn how to apply for a Certificate of Eligibility (COE) to demonstrate to your lender that you are eligible based on your service history and duty status. Remember that to qualify for a VA-backed home loan; you must also meet your lender’s credit and income loan requirements.
Determine whether you are eligible for a Certificate of Eligibility (COE) to demonstrate to your lender that you are eligible for a VA direct or VA-backed home loan based on your service history and duty status.
How to get a Certificate of Eligibility
Learn how to apply for a VA home loan Certificate of Eligibility (COE). It is the first step in obtaining a VA-backed home loan or a Native American Direct Loan. It confirms to your lender that you are eligible for the VA home loan benefit. Then, select your loan type and learn about the rest of the loan application process.
Learn how to request a COE and what to do next to get a VA direct or VA-backed home loan.
Surviving spouse VA home loan programmes
As the surviving spouse of a Veteran, you will need a Certificate of Eligibility (COE) to show your lender that you are eligible for this benefit. Determine whether you are eligible for a COE. Remember that to get a loan; you must also meet your lender’s credit and income necessities.
Find out if you’re eligible and how to apply for a VA home loan COE as the surviving spouse of a Veteran or the spouse of a Veteran who is currently missing in action or imprisoned.
Have difficulties making payments?
If you fall far behind on your loan repayments, your mortgage provider (the company that collects money for your lender) has the right to seize your home to cover the debt. It is known as the foreclosure process. Discover how our VA loan specialists can assist you in avoiding foreclosure and keeping your home.
If you’re having trouble making your monthly mortgage payments, seek help to avoid foreclosure.
Welcome to the VA Loan Program in the United States of America.
A VA loan is a government-backed mortgage and is available to Veterans, service members, and surviving spouses. Private lenders, such as mortgage companies and banks, make VA loans rather than the Department of Veterans Affairs. VA home loans have competitive interest rates and terms and can be used to buy a single-family home, condo, multi-unit property, manufactured home, or new construction.
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