VA Home Loans

VA Loans - A Comprehensive Guide for Eligible Veterans and Service Members


Our mission is to provide you with the information and resources you need to make an informed decision about using your VA home loan benefit. Whether you're a first-time homebuyer or a seasoned homeowner, a VA loan may be the right choice for you.


What is a VA Loan?

A VA loan is a mortgage loan that is guaranteed by the U.S. Department of Veterans Affairs (VA). This program was created in 1944 to help veterans, active-duty service members, and their surviving spouses purchase homes.


VA loans offer several benefits over other types of mortgages, including:

  • No down payment required: VA loans do not require a down payment, which can be a significant financial benefit for those who may not have the funds to make a substantial upfront payment.*
  • Lower interest rates: VA loans typically have lower interest rates than conventional mortgages, which can save you thousands of dollars over the life of your loan.
  • No private mortgage insurance: Since VA loans are government-backed, they do not require you to pay private mortgage insurance, which can add hundreds of dollars to your monthly mortgage payment.
  • Easier credit requirements: VA loans have more lenient credit requirements than conventional mortgages, making them easier to qualify for if you have less-than-perfect credit.


Who is Eligible for a VA Loan?

To be eligible for a VA loan, you must meet certain criteria...

  • Active duty service members (minimum 90 consecutive days during wartime or 181 days during peacetime)
  • National Guard and Reserve members (minimum six years of service)
  • Spouses of service members who have passed away as a result of their service or sustained a service-related disability may also be eligible.

How to Apply for a VA Loan

To apply for a VA loan, you will need to obtain a Certificate of Eligibility (COE) from the VA. This document verifies your eligibility for the loan and will be required by your lender.

Once you have your COE, you can begin the process of finding a lender and applying for a loan. Security First Financial has experienced loan originators who specialize in VA loans and can guide you through the process. To get started, you can fill out our online application or contact us directly.


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Start Your VA Loan Process by Filling Out the Form Below

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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)

Why Choose Security First Financial for Your VA Loan?

Security First Financial has been helping borrowers achieve their homeownership goals since 2009. We are committed to providing excellent customer service and making the home loan process as smooth and stress-free as possible.

Our team of experienced loan originators understands the unique needs of military borrowers and can help you navigate the VA loan process. We offer competitive rates, flexible terms, and a variety of loan options to fit your specific needs.

Contact Us Today to Learn More

If you're ready to explore your VA loan options, contact Security First Financial today. Our team is here to help you understand your options and make an informed decision about your home financing.


*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.​