This program is exclusively for veterans, active-duty military personnel, and qualifying surviving spouses seeking to buy, build, or refinance a home.

Key Features of the Loan Program:

• No down payment required
• No private mortgage insurance (PMI)
• Competitive interest rates
• Flexible credit requirements

• No Down Payment: One of the biggest perks! Many eligible veterans can buy a home with $0 down.

• No Private Mortgage Insurance (PMI): This saves you money each month compared to conventional loans that require PMI with less than 20% down.

• Competitive Interest Rates: VA loans often have lower interest rates than conventional loans, saving you money over the life of the loan.

• Flexible Credit Guidelines: Lenders may be more lenient on credit score requirements for VA loans.

• Lifetime Benefit: You can use your VA loan benefit multiple times throughout your life, as long as you meet the eligibility requirements each time.

  These features make VA loans an incredibly powerful tool for veterans, active-duty service members, and their families to achieve homeownership.

• Certificate of Eligibility required

• Minimum credit score typically around 620

• Debt-to-income ratio usually below 41%

• Proof of service and income verification necessary