VA Loan

VA Loans play an important role in putting our brave military-serving citizens and their families into a home of their own.

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About VA Loans

A VA loan is issued by a private lender and insured by the Department of Veterans Affairs. It’s a valuable benefit — offering a mortgage with a lower-than-most interest rate that usually requires no down payment — for qualified U.S. veterans, active-duty military personnel and certain surviving spouses.

Although the VA has no minimum credit score requirement, most wholesalers require scores of at least 620. A few lenders will approve loans with credit scores as low as 580 in some cases. The VA takes a real-life view of affordability by estimating the ability to pay the home loan after accounting for other monthly expenses.

How do I qualify?

The Department of Veterans Affairs doesn’t issue the home loans; brokers & wholesalers do. But, the VA insures a portion of the loan in case of default. While a VA home loan qualifying requirements are much more relaxed than that of a conventional loan, you’ll still needs to have a decent credit score and sufficient income.

Some other eligibility requirements include...

  • The home must be your primary residence.
  • You must have a valid certificate of eligibility from the VA.
  • A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.

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