The VA home loan program is a powerful benefit offered to eligible U.S. military service members, veterans, and some surviving spouses. Backed by the Department of Veterans Affairs, VA loans make it easier to buy, build, or refinance a home with favorable terms.

Key Benefits of a VA Loan:

• No down payment required (in most cases)
  
• No private mortgage insurance (PMI)
  
• Competitive interest rates
  
• Flexible credit guidelines
  

Who’s Eligible?
You may qualify for a VA loan if you meet at least one of the following:

• Served 90 consecutive days during wartime
  
• Served 181 days during peacetime
  
• Served 6 years in the National Guard or Reserves
  
• Are a surviving spouse of a service member who died in the line of duty or from a service-connected disability
  

Other Requirements:

• A valid Certificate of Eligibility (COE) from the VA
  
• Occupy the home as your primary residence
  
• Meet the lender’s credit and income standards
  

Whether you’re buying a home or refinancing, a VA loan can be one of the most affordable and flexible options available. Want to know if you qualify? We’re here to help guide you through it.

📞 Contact us today to explore your VA loan options.