Why a VA Loan?

It's simple ... Lower Rates. Lower Payments. $0 Down.

Find out why thousands of people are choosing Veterans United Home Loans and VA Mortgage Center.com to use their VA home loan benefit and allow us to help you:

Lower your monthly payment
Lower your interest rate
Purchase a home with $0 down

Purchase with $0 Down

A VA mortgage 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%.

VA Loan Savings at Closing Based on Conventional Loan Requirements
Loan Amount	5% Down	10% Down	20% Down
$150,000	$7,500	$15,000	$30,000
$250,000	$12,500	$25,000	$50,000
$350,000	$17,500	$35,000	$70,000
$450,000	$22,500	$45,000	$90,000

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.

Getting Qualified is Easier

The qualification guidelines are less stringent for VA mortgages.

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.
For more information on repairing your credit score to become eligible for a VA loan, browse our page on VA loans for bad credit.

Want to see what a VA mortgage 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 pre-qualify for.

See What a VA Loan Can Do For You

Property State:

Loan Type: VA Home Purchase VA Refinance

We are not a Government agency. No obligation. It takes 2 minutes.

How We Are Different

We are different than other lenders. Find out how these differences will help you unlock the power of a Veterans Affairs loan and maximize your financial benefits.

We Specialize in VA Loans

We specialize in 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 only one or two VA mortgages per year.
It is important that your loan officer know the ins and outs of the Veterans Administration 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 mortgage 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 pre-qualify for.