VA Loans

VA loans are guaranteed by the U.S. Department of Veterans Affairs and are designed to offer long-term financing to eligible active-duty military, veterans, and eligible surviving spouses.

VA Loan Requirements

  • Credit scores as low as 580 may be accepted
  • Credit scores as low as 600 may be accepted for manufactured housing
  • Must be current or former military personnel or surviving spouse of military personnel who did not remarry
  • Must not have had any loan defaults within the last year
  • Must not have declared bankruptcy within the last two years

Benefits and Details

  • 0% down payment
  • No mortgage insurance required
  • 30-, 20-, or 15-year fixed-rate terms and 5/1 ARMs available
  • Refinance up to 100% of the value of your primary residence
  • VA streamline refinance (IRRRL) with no appraisal necessary and minimal documentation is available for current VA loan holders