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VA Loans


VA loans, or Veteran Association loans have been designed with favorable loan terms for eligible American veterans, active-duty personnel, and widows of veterans. VA home loans are available for one-to-four family properties, Planned Unit Developments (PUDs), condominiums and manufactured homes.

A VA loan is a loan guaranteed by the Veterans Association, which allows the borrower to receive 100% financing, meaning that there is no required down payment if the loan amount is within county loan limits.

VA Loans & Benefits

  • Purchase, rate/term refinance and cash-out refinance options
  • No required down payment*
  • Seller-assistance options
  • Low minimum credit score requirement
  • Flexible repayment periods
  • No pre-payment penalties
  • Available fixed- and adjustable-interest rates
  • Interest rate cap structure: one percent initial/one percent subsequent/five percent life

* Down payment may be required for loan amounts more than VA county loan limit.

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