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VA Loans

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The VA loan program was designed to help those who have honorably served our Country. It typically provides a low to no down payment and boasts a reasonable VA funding fee all at great interest rates. VA has worked hard in recent years to help streamline this program to make a quick and efficient loan to close on. The days of “red tape” are over.

Who is eligible?

Veterans with active duty service, that was not dishonorable, during World War II and later periods, are eligible for VA loan benefits. World War II (September 16, 1940 to July 25, 1947), Korean conflict (June 27, 1950 to January 31, 1955), and Vietnam era (August 5, 1964 to May 7, 1975) veterans must have at least 90 days of service. Veterans with service only during peacetime periods and active duty military personnel must have had more than 180 days of active service. Veterans of enlisted service which began after September 7, 1980, or officers with service beginning after October 16, 1981, must in most cases have served at least 2 years.

Gulf War. Basically, reservists and National Guard members who were activated on or after August 2, 1990, served at least 90 days and were discharged honorably, are eligible. VA can assist with eligibility questions.

Members of the Selected Reserve, including National Guard, who are not otherwise eligible and who have completed 6 years of service and have been honorably discharged or have completed 6 years of service and are still serving, may be eligible. Contact the VA Eligibility Center to find out what is needed to establish eligibility. Reservists will pay a slightly higher funding fee than regular veterans. (See paragraph entitled “Costs of Obtaining a VA Loan.”)

Get Your Pre-Approval

There are two ways to start the home buying process. The first is a prequalification.
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I Want to Buy a Home

Buying a home can seem daunting and it’s hard to know where to start. Let us help.
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I Want To Build a Home

We can work with our local homebuilders to create a construction loan.
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