VA Loans
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The Lowdown on VA Loans...
Why a VA Loan?
VA loans are one of the most powerful benefits available to eligible U.S. service members, veterans, and surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans make homeownership more affordable and accessible through flexible qualification standards and unique benefits such as:
- No Down Payment Required — Qualified borrowers can purchase with 0% down in most cases.
- No Private Mortgage Insurance (PMI) — Save hundreds per month by skipping costly PMI premiums.
- Competitive Interest Rates — VA-backed loans often offer lower rates than conventional loans.
- Flexible Credit Guidelines — Designed to support service members with varying credit backgrounds.
- Assumable Loans — A future buyer may be able to take over your existing VA loan and rate.
What Is a VA Loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA) and issued by VA-approved lenders. This guarantee allows lenders to provide more favorable terms—such as no down payment and no PMI—to eligible borrowers.
The program was created to help military members achieve homeownership with stable, long-term financing and continues to honor that mission today.