VA Loans

Q: What is a VA Loan?

A: VA helps Service members, Veterans, and eligible surviving spouses become homeowners. They provide a home loan guarantee benefit and other housing-related programs to help Veterans buy, build, repair, retain, or adapt a home. VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

Q: What are the eligibility requirements?

A: The length of your service or service commitment and/or duty status may determine your eligibility for specific home loan benefits.

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Purchase Loans and Cash-Out Refinance:VA-guaranteed loans are available for homes for personal occupancy. A borrower must have a good credit score, sufficient income, a valid Certificate of Eligibility (COE), and meet certain service requirements. CLICK HERE for requirements.

Housing Grants for Disabled Veterans: VA helps Veterans with certain total and permanent disabilities related to military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant. CLICK HERE to learn more.

Q: What is IRRRL?

A: It stands for Interest Rate Reduction Refinance Loan.

Q: What does a VA Interest Rate Reduction Refinance Loan provide?

A: No appraisal or credit underwriting package is required when applying for an IRRRL. An IRRRL may be done with "no money out of pocket" by including all costs in the new loan or by making the new loan at an interest rate high enough to enable the lender to pay the costs. No lender is required. A VA lender will process the application, and borrowers do not receive any cash from the loan proceeds. An IRRRL can only be made to refinance a property on which you have already used your VA loan eligibility. It must be a VA to VA refinance, and it will reuse the entitlement you originally used. Generally, all Veterans using the VA Home Loan Guaranty benefit must pay a funding fee. 

Q: What are the eligibility requirements?

A:The length of your service or service commitment and/or duty status may determine your eligibility for specific home loan benefits.

Purchase Loans and Cash-Out Refinance:VA-guaranteed loans are available for homes for personal occupancy. A borrower must have a good credit score, enough income, a valid Certificate of Eligibility (COE), and meet certain service requirements. CLICK HERE for more details

Housing Grants for Disabled Veterans: VA helps Veterans with certain total and permanent disabilities related to your military service obtain housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant. CLICK HERE for more details

CLICK HERE for the U.S. Department of Veterans Affairs website concerning home loans.