VA Loans

Features of our VA Home Loans:

• 100% financing available with no down payment*
• Government-backed, so no private mortgage insurance required
• Competitive rates, a greater degree of safety, and optimal flexibility
• Easier qualification requirements compared to other home loans
• Financing for veterans, active service members, and select military spouses

*Closing costs and fees may still apply.

Eligibility for a VA Loan

With a VA loan, the borrower must be a qualifying active duty member of the U.S. military, veteran, or surviving spouse. A Certificate of Eligibility (COE) is required. 

You might be eligible if:

• You served 90+ days active duty during wartime
• You served 180+ days active duty during peacetime
• You were not dishonorably discharged
• You are currently active duty
• You are the surviving spouse of a veteran who died during service or because of service-related injuries and are not remarried

VA Loan Document Checklist

• Copy of canceled earnest money check (if you are under contract)
• Copy of last two months of LES pay statements
• Paycheck stubs for previous 30 days (for any non-military co-borrowers)
• Tax returns from the past two years (all schedules and all pages)
• W2s from the past two years
• Copy of current "Service Statement" (obtain from base personnel or online)
• Copy of any asset statements (IRA, 401, TSP, Money Market) (all pages)
• Checking and savings bank account statements for the past two months (all pages)
• Copy of driver's license (all borrowers)
• Copy of Social Security card or passport (all borrowers)
• Copy of divorce decree (if applicable)
• Copy of bankruptcy paperwork (if applicable)

*VA home loan purchases, have options for 0% down payment, No private mortgage Insurance requirements, competitive interest rates, with specific qualification requirements. VA Interest rate reduction loans (IRRRL) are only for Veterans who currently have a VA loan, current loan rate restrictions apply, and limits to recoupment of costs and fees apply. VA Cash-out Refinances are available for Veterans with or without current VA loans. Policies and guidelines may vary and are subject to the individual borrower(s) qualification. Program and Lender overlays apply.​