VA Loans

We value your service

Our VA loan experts understand the unique needs of veterans and service members.

family touring a house
family touring a house

Is a VA loan right for you?

VA loans are backed by the U.S. government, so they offer advantages over other types of mortgages.

  • No down payment and no private mortgage insurance required
  • Flexible qualification requirements, so it’s easier to get a loan
  • Competitive rates and terms that meet your needs
  • Use your Basic Allowance for Housing (BAH) to pay for some or all of your mortgage costs if you’re an active duty servicemember

Mortgage calculators

How it works


Get preapproved

Find out how much you can borrow, and let sellers know you’re ready to buy.

Get Started


Choose your home

Make your wish list, choose a real estate agent, and find your dream home.

Make an offer

If your offer is accepted, you’ll need a home inspection and appraisal.

Close the sale

Once you sign the paperwork, you can get the keys and prepare to move in.

Mortgage FAQs

The overall requirements for VA loans are more flexible than those for traditional loans. And, there are no down payment or private mortgage insurance requirements. That means it’s often easier to qualify for a VA home loan than for a traditional mortgage.

To qualify for a VA home loan, you need a Certificate of Eligibility (COE) from the VA. Visit to the U.S Department of Veterans Affairs website to learn more about qualifying and request your COE. Once you have your COE, you can apply for a VA loan.

Yes, you can refinance your mortgage with a VA home loan. The process for refinancing is very similar to applying for a new mortgage. Create an account and submit an application to get started, and a Mortgage Originator will contact you to discuss your options.

With a VA home loan, there’s no down payment requirement, and you don’t need to purchase private mortgage insurance.

If you want to buy a home within the next few months, then it’s a good idea to get preapproved. Preapproval shows the seller that you’re serious about buying and you have the funds you need to make a purchase. If you’re searching for a home in a competitive market, preapproval makes your offer more attractive to sellers and gives you a critical advantage over other potential buyers.

While many lenders cancel their preapprovals after 90 days, there’s no expiration date on ours. If any of the documents in your credit approval file are out of date, we’ll offer you the opportunity to update them so that you can keep your preapproval in place.

Your credit score affects the interest rate you qualify for when you apply for a mortgage. With a higher credit score, you can usually qualify for a lower interest rate, which lowers your monthly payment and reduces the overall cost of your loan.

However, because VA home loans are backed by the U.S. government, you may still qualify for an VA home loan, even if you don’t have a great credit score.

If you’re not sure what your credit score is, you can request a free copy of your credit score every 12 months from If your credit score isn’t as high as you’d like it to be, here are some tips for improving your credit.

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Get started

Learn more about our team

Our mortgage experts are ready to help you one-on-one, every step of the way. We streamline the process to make it easier for you, and we’re always ready with advice and assistance.

Meet the Team

Find a Mortgage Originator near you