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Advantages of VA Home Loan

Lower Interest Rates

0% Down

Fast Closings

VA Loans are backed by the VA. This makes them less risky for lenders to provide, which helps you unlock more competitive rates on your home loan. Better rates can help you save money.

With a VA loan you could qualify for up to 100% financing with no down payment when purchasing a home.

Working with a top-rated VA lender and closing your loan quickly are important. Experienced loan officers ensure that your loan gets the attention you need for faster closings that could save you time and money.

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About VA Loans

Why should I get a VA Home Loan?

VA home loans are mortgages backed by the U.S. Department of Veteran's Affairs (commonly known as the VA).

What does that mean? This is a fancy way of saying that the VA guarantees a portion of the loan, which allows private lenders to offer more favorable terms than for other mortgage types.
A VA loan offers competitive interest rates that are often lower than other mortgage options. VA Loans may have no down payment and often don't require private mortgage insurance.
Finally, it's a lifetime benefit so, you can use a VA loan many times as your home needs change.

Top VA Banks by Volume

When looking what are the best solutions for a particular case, it is important to partner with lenders with long term experience in the VA space. You want to look for a partner that have been delivering best solutions for veterans year over year.

Compare top VA bank lenders. Mortgages are complicated. Working with reliable and safe top banks give you the opportunity to be in the driver’s seat of your home mortgage process. When looking to compare VA lending banks, it is important to look which banks are the best ones in understanding our veterans' needs and finding the best solutions for them.

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Here's How The Home Loan Process Works

1

Step 1

Start by answering a few questions.

2

Step 2

Speak to one of our VA Lending Specialists to discuss your situation and loan options.

3

Step 3

Get pre-approved and start searching for your home

4

Step 4

Our Loan Experts will work with you every step of the way

5

Step 5

Close on your home!

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VA Home Loan FAQs

What is a VA Loan?

VA loans are provided by lenders like us. The U.S. Department of Veterans Affairs (VA) guarantees a portion of the loan. This in turn allows lenders to provide favorable terms on VA loans.

Who is eligible for a VA Loan?

Active-duty service members, reservists, veterans, or a surviving spouse (provided they don’t remarry). Note that eligibility for a VA loan comes from the VA. To know if qualify speak to one of our VA Lending Specialist.

Is today's rate applicable for both VA Purchase & VA Refinance?

VA refinance rates and VA purchase rates for a first home are not the same as they are two different types of loans. A VA refinance rate is meant for those who already own a home. A VA purchase rate is for buyers who do not own a home yet.

How will you calculate my rates?

Loan interest rates are not set by the VA. Instead, lenders like us determine them. We offer competitive VA loans by considering a range of factors such as:

  • Your credit score
  • The term of your loan
  • We see which loan program you are applying for (refinance, purchase, construction, etc.)
  • We analyze the market conditions

Something important to remember is that interest rates change every day. A day can have a substantial difference in your rate, especially if the market changes abruptly. If you believe the current rate works for you, don’t wait. The last decision will always be yours and we will do our best to help you make the right decision.

Why is a pre-approval important?

A pre-approval shows the seller you mean business. The pre-approval letter will tell you how much home you can afford and helps speed up the process for a faster closing. The pre-approval process will require a review of your finances and credit to determine if you are eligible for a mortgage loan, and let you know the loan amount you qualify for. Please keep in mind a pre-approval is not a commitment to lend. It is delivered to you for informational purposes and does have an expiration date. Pre-approval expiration dates vary by lender.

How do I apply for a VA Home Loan?

You are in the right place. Visit our compare top VA lenders page to find a lender that meets your needs.

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