VA Loans

Buying or refinancing a home is one of the largest financial decisions that you will make in a lifetime. With the current state of the economy and recent changes in the law, many people are finding it more difficult to realize the American dream.

Fortunately, the Department of Veteran's Affairs sponsors many programs with relaxed guidelines which are specifically designed help Veterans. These specialized programs allow Veterans to purchase homes at reduced interest rates and require no money down. In addition, many of these programs can structured so that there are little or no closing costs.

Why Choose a VA loan?

VA loans offer the easiest and most competitive lending options available for qualified veterans. As conventional loans become more restrictive and problematic, VA loan guidelines are written to help veterans finance their home quickly and easily while protecting them from riskier more aggressive conventional loans.

On average, Interest rates on VA loans are as much as 1/2% lower than that of traditional conventional loans. This can translate into a savings of more than $70 per month on a $280,000 mortgage.

100% financing (no money down) is possible with a VA loan.

Veterans can purchase a home with no required down payment. In many cases, we can structure your loan so that there is no out-of-pocket expenses to you. In addition, if you are refinancing, a VA loan will also allow a 100% financing option to suit your needs. These programs are not available with traditional conventional financing.

Veterans have a unique opportunity to purchase or refinance their homes using powerful mortgage options that are simply not available to the general public.

Whether you are looking to purchase your dream home or lower your payments by refinancing, we can help you. With interest rates at record lows and property values so attractive, now is the best time to take advantage of VA financing.