VA

Welcoming Veterans Home

VA

Welcoming Veterans Home

VA Loans

Home loans backed by the Department of Veterans Affairs (VA) provide affordable home financing options for eligible Service Members, Veterans and surviving spouses.

One of the first steps is to obtain your Certificate of Eligibility (COE). Your COE is based on length of service or service commitment, duty status and character of service.

Fixed-Rate Mortgage

A Fixed-rate mortgage protects you against rising rates since the interest rate remains the same for the entire term of the loan. The term means the length of time your loan is amortized. [ 15 or 30-year terms] are common lengths to choose from.

The lower term options have lower interest rates but higher monthly payments. The higher term options have higher interest rates but lower monthly payments.
Adjustable-Rate Mortgage

An adjustable-rate mortgage (ARM) is a loan term option with interest rates that can change periodically after the initial fixed-rate period. After this introductory period, monthly payments are susceptible to increases or decreases based on market fluctuations, which can also affect the monthly payment. An ARM could be the right choice for you if you plan on staying in your home for just a few years, you’re expecting a significant future pay increase, or the current interest rate on a fixed-rate mortgage are too high for a borrower to qualify.

LOAN HIGHLIGHTS

Zero Down Payment

Financed Funding Fee based on Veterans Status

No monthly premium

Seller can pay up to 6% of the Sales Price towards borrower’s closing costs and pre-paid items

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Loan Options That Fit Your Life.

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Conventional: Home loans insured by the Federal Housing Administration can make it easier to qualify, purchase or refinance a home.

From Dream to Address.
We Got You.

From the moment you’re ready to consider buying or refinancing a home, we are here to understand your dreams, goals, and unique financial situation. Our start-to-finish process is designed to be simple, straightforward, cost-effective, and FAST!