VA Home Loans

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Options that make getting a mortgage easier, from a name you trust

If you need a lower down payment or have less than perfect credit, a VA loan may be right for you. Whether you're buying your first home or looking to refinance, VA loans may have more flexible guidelines than traditional loans.

Benefits of a VA Loan

  • Little or no down payment
  • No monthly mortgage insurance
  • Exclusively for eligible service members, veterans and surviving spouses
  • Refinance up to 90% of your home’s value
  • Fixed rate loans

You can use a VA loan to buy or refinance a home or condominium, as long as it's your primary residence. VA loans may require a one-time funding fee at closing.

Review your options with us.

Just give us a little bit of information about yourself, and a mortgage consultant will contact you shortly. We’re here to answer your questions and discuss the options that are right for you.

You can also call us at 844-248-2360 (mention code 4CYTAA).

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Weekdays 8:30AM - 8PM ET

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Questions?

    What is a VA loan?

    It's a loan program exclusively for eligible Service members, Veterans and their surviving spouses. Please refer to your Certificate of Eligibility (COE) to determine your personal entitlement. You are not required to make a down payment as long as you have enough entitlement and the loan is not over the county limit. Additionally, you may not be required to pay private mortgage insurance.

  • What is a VA loan?
  • Who's eligible for a VA loan?

    In general, you must have been discharged under conditions other than dishonorable and meet certain service requirements. A good way to see if you're eligible is to visit the U.S. Department of Veterans Affairs web site.

  • Who's eligible for a VA loan?
  • What is a VA funding fee?

    It's a one-time fee that you pay to the Department of Veterans Affairs at closing. The VA funding fee ranges from .5% to 3.3% of the amount you borrow. It can be financed with your loan and included with your monthly payment.

  • What is a VA funding fee?
  • What is the “Know Before You Owe” rule and what does it mean for my loan application?

    The “Know Before You Owe” or TILA RESPA Integrated Disclosure (TRID) rule from the Consumer Financial Protection Bureau (CFPB), changes the way real estate transactions are processed and closed. By understanding what is expected from you, you can help speed the process.

    Learn more (PDF)

  • What is the “Know Before You Owe” rule and what does it mean for my loan application?