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The VA Home Loan
Purchase with $0 Down, Get a Lower Rate and Enjoy Lower Monthly Payments with a VA Loan.
Why a VA Loan?
It's simple ... Lower Rates. Lower Payments. $0 Down.
Find out why thousands of people are using their VA Loan benefit every single month. Allow us to help you lower your monthly payment, lower your interest rate and purchase a home with $0 down.
Purchase with $0 Down
A VA Loan is one of the only loan programs that still allows the borrower to finance 100% of the home's value and purchase with $0 down. Now more than ever banks are requiring large down payments for conventional loans. In many cases they require 10-20% down, putting home ownership out of reach for many prospective buyers.
How much will $0 down save you? Conventional loans will require a minimum of 5% down, and in many cases as much as 10% and 20%.
Lower Your Monthly Payment
A VA Loan offers two benefits that will substantially lower your monthly payment. PMI, or private mortgage insurance is not required on a VA loan. PMI is an added monthly expense required for conventional loans where the borrower finances more than 80% of the home's value.
Interest rates are also lower with a VA Loan, typically 0.5%-1.0% lower than a conventional loan. A lower rate combined with monthly PMI savings can substantially lower your monthly payment as illustrated in the chart below...
| Loan Amount | 1.0% Rate Reduction | PMI Savings | Est. Monthly Savings |
| $150,000 | $94 | $115 | $209 |
| $250,000 | $156 | $191 | $347 |
| $350,000 | $220 | $268 | $488 |
| $450,000 | $282 | $345 | $627 |
*Estimates based the borrower putting $0 down with a 1.0% interest rate deduction.
Getting Qualified is Easier
The qualification guidelines are less stringent for VA Loans. Because the loan is backed by the government, banks have relaxed the often strict lending rules for VA Loan applicants making them easier to obtain.
Want to see what a VA Loan can do for you? Take two minutes to answer a few questions. There is no obligation and your credit will not be pulled. A VA Loan specialist will simply contact you to let you know what you qualify for.
See What a VA Loan Can Do For You
How We Are Different
We are different than other lenders. Find out how these differences will help you unlock the power of a VA Loan and maximize your financial benefits.
Kaleb Long
VAMC Loan Officer
We Work Exclusively with VA Loans
We exclusively work with VA Loans and are Proud to Serve those Who Have Served™. This dedication and focus gives our Loan Officers far more VA experience over a typical Loan Officer at another firm who may do one or two VA Loans per year. It is important that your Loan Officer know the in's and out's of the VA program in order to get the process done quickly and to ensure you maximize your financial benefits.
We Make the VA Process Fast and Simple
This extensive VA experience enables us to streamline the VA Loan process, making it smooth and easy for you. Once you get started, your VA Loan Officer will be there with you every step of the way, gathering the necessary paperwork and will work with the VA on your behalf.
We are a VA Approved Lender
The Department of Veteran Affairs requires those who offer VA Loans go through a stringent approval process. We are a VA approved lender and are proud that over 500,000 military families have come to us to use their VA Loan Benefits.
To get started, simply answer a few questions. A VA Loan specialist will contact you within just a couple of hours to let you know what you qualify for.
VA Approved Lender
Toll Free: 800-405-6682
