VA Loan Program

VA IRRRL Refinances and VA Purchases

NEWS – loan limits removed – as of January 2020, the VA loan limit is no longer tied to the standard area conforming limits. While standard mortgage rates are on the rise, VA Mortgage Rates are holding at record low levels. Exclusively designed programs for active and veteran service personnel.

EXISTING VA LOANS

Refinance with a VA IRRRL! Lower your rate and monthly payment with a loan term of your choice. Also, there will be:

  • No Income Verification
  • No Appraisal Needed
  • No Closing Costs*

* or you can choose to show costs for an even better interest rate.

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NEW VA LOANS

VA home loans are mortgage loans guaranteed by the Veterans Administration provided to veterans, active service members, and eligible surviving spouses. Aside from the veteran’s certificate of eligibility and the VA-assigned appraisal, the application process is similar to other types of mortgage loans. Advantages of VA loans:

  • No down payment is required
  • No PMI (private mortgage insurance)
  • VA interest rate is frequently lower than ordinarily available rates
  • Qualification standards are more relaxed
  • VA loans can be refinanced up to 90% of the home value
  • VA funding fees may be rolled into the loan amount
  • Disabled veterans, their surviving spouses and winners of the Purple Heart are exempt from paying the funding fees
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