VA Home Loans

Buying a new home is an exhilarating experience for everyone. It’s an important step in life that can bring a lot of satisfaction, but also some trepidation. If you are a current military member or veteran looking to buy a new home, one of the best things you can do is go through the VA to obtain a loan. The VA has made is as easy and affordable as possible to get that dream house.


In 1944 a groundbreaking new bill was passed in Congress called the GI Bill. This bill extended huge new benefits to members of the military and their families. Of these benefits, none have been as popular as the VA Loan guaranty program. The loan guaranty program was put into place to help veterans and their families realize the dream of homeownership by making it possible to purchase homes without a down payment. Since 1944, millions of veterans and their families have taken advantage of the VA Loan guaranty program and become proud homeowners across America.


When purchasing a house with a VA Loan, you can choose almost any private lender to go through such as a bank, mortgage company or savings & loans. The loan is then guaranteed by the VA for up to half the total amount of the loan. What this does is insure you in the event of foreclosure, and makes monthly charges and interest rates significantly lower than conventional loans.


There are many benefits that come with a VA Loan. For starters, you can get a loan with absolutely no down payment. Because the VA essentially insures a portion of your loan, you also won’t be required to pay Premium Mortgage Insurance. The VA also puts a limit on closing costs, so you won’t ever be surprised with a huge bill at the end of the process. Finally, the VA is there to help you out and support you if you ever have questions or trouble making payments on your home.

Getting Started

Before you apply for a loan, you might want to consider doing a debt-to-income ratio check to see how much you can afford to pay each month. Then, you will need to file a form with the VA to establish your eligibility. Finally, it’s easy to get pre-approved right online. In this way you can go house hunting with the knowledge of how much you can afford to pay.

Find Out What You Qualify For

Want to find out how much you qualify for? It’s never been easier. Just fill out our secure 1-minute quote request form and you can get a rate quote today.

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VA Loan Funding Fee

VA Loan Funding Fee
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