VA Loans

VA Mortgages are insured by the Veterans Administration and are reserved for veterans, active duty service members, members of the National Guard or Reserves, and the widows/spouses of veterans. This earned benefit from U.S. military service allows 100% financing for qualified veterans.

  • Minimum FICO score is 580
  • Minimum Down payment is 0% unless required (ie. When the purchase price exceeds the appraiser value)
  • One Time VA Funding fee is required on most VA loans, though this is waived for some
  • A Certificate of Eligibility is required, our loan officers can help you obtain this
VA Construction Loans
VA Mortgages are insured by the Veterans Administration and are reserved for veterans, active duty service members, members of the National Guard or Reserves, and the widows/spouses of veterans. This earned benefit from U.S. military service allows 100% financing for qualified veterans. The renovation aspect of the loan is very similar to the FHA 203k LIMITED program. It is an ideal renovation loan for those looking to do minor non structural repairs
  • Minimum FICO is 580
  • Can finance up to 100% of the as completed value or purchase price + renovation costs, whichever is lower (with credit scores over 600)
  • Single Family Homes, Condos, and Townhouses allowed
  • No minimum renovation costs
  • Maximum renovation costs is $35,000- minor/non structural repairs only
  • FIRST TIME HOME BUYERS
Buying your first home can seem like an overwhelming step. There are dozens mortgage terms and even more loan options. Navigating through this new world can be challenging if you haven’t done it before. But with the right guidance and information, you’ll learn the home buying experience can be a fun, enjoyable, and quick process. Remember, never be afraid to ask a “dumb question” because we don’t believe they exist!  Not once through the process will you feel alone or unheard. We take great pride in the trust hundreds of families have put in us over the years and we ensure it’s repaid in stellar service.
VA LOANS
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