(Veterans Affairs) VA loans are home mortgages backed by the Department of Veterans Affairs. These loans were designed only for military families and veterans.

The unique benefits of VA loan are:

  1. VA loan requires little or no money down at closing.
  2. VA guarantees a portion of your loan, you won’t need to pay mortgage insurance premiums. This can significantly lower your monthly payment.


To be eligible for a VA loan, you will need a certificate of eligibility from VA to show that you are an active-duty or retired member of the armed forces with at least: 90 days of consecutive service during wartime, or 181 days of service during peacetime, or 6 years of service in the National Guard or reserves. Or the spouses of service members who died in the line of duty or as the result of a service-related disability.


We can help you to obtain the certificate of Eligibility form from VA. W will help you to find a favorable term on all types of home mortgage products. And if you don’t meet the qualifications for a VA loan, FHA loans offer similar advantages, including lower down payment requirements.