Why a VA Loan?

It's simple ... Lower Rates. Lower Payments. $0 Down.

for active and retired military borrowers

Find out why thousands of people are using their VA Loan benefit every single month. Allow us to help you lower your monthly payment, lower your interest rate and purchase a home with $0 down.

Purchase with $0 Down

A VA Loan is one of the only loan programs that still allows the borrower to finance 100% of the homes value and purchase with $0 down. Now more than ever, many lenders are requiring large down payments for conventional loans. In many cases they require 10-20% down, putting home ownership out of reach for many prospective buyers. How much will $0 down save you? Conventional loans will require a minimum of 5% down, and in many cases as much as 10% and 20%.

Lower Your Monthly Payment

A VA Loan offers two benefits that will substantially lower your monthly payment. PMI, or private mortgage insurance is not required on a VA loan. PMI is an added monthly expense required for conventional loans where the borrower finances more than 80% of the homes value.

Interest rates are also lower with a VA Loan, typically 0.5%-1.0% lower than a conventional loan. A lower rate combined with monthly PMI savings can substantially lower your monthly payment as illustrated in the chart below...

Getting Qualified is Easier

The qualification guidelines are less stringent for VA Loans. Because the loan is guaranteed by the United States Government through the Veterans Administration, underwriting guidelines take into account other variables than the often strict lending rules of Government Loan Applicants making them easier to obtain.