VA loans are guaranteed by the U.S. Department of Veterans Affairs (VA) and are a valuable benefit for military veterans and active servicemen and women. This federal guaranty enables us to offer easier qualifying guidelines and low down payment options.

  • 0% Down Payment
  • A minimum credit of 580 is required for fixed-rate financing.
  • Borrowers with credit scores from 580 to 619 are subject to stricter guidelines*.
  • Adjustable-rate mortgages (ARMs) require a minimum 620 credit score.
  • High balance loans: If you're buying a home in a high-cost area, you may qualify for up to $2.5 million in loan funds.
  • Allowed property types include single-family residences, 2-4 unit properties, VA-approved condominiums, manufactured homes, properties in Planned Unit Developments (PUDs).
  • Financing for purchase and refinance loans for primary residences**

* Borrowers with credit scores from 580 to 619 may only qualify for purchase transactions of one-unit single family residences. Gift funds and down payment assistance is not allowed.
**Interest Rate Reduction Refinance Loans (IRRRL) may be non-owner occupied if initially a primary residence.