VA Loans

A VA mortgage is a 100% financing government insured loan for our veterans. VA loans are 15, 20, 25, or 30 year fixed rate notes that can also be done with a middle credit score as low as 580, with other compensating factors. VA loans also don’t have a mortgage insurance premium like FHA & USDA loans, which lowers your monthly payment. Borrowers qualify for VA financing if you meet one of the following criteria:

  • You have served 90 consecutive days of active service during wartime
  • You have served 181 days of active service during peacetime
  • You have more than 6 years of service in the National Guard or Reserves
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability