VA LOANS

One of the best mortgage products available — for those who have earned it.

VA loans are available to eligible veterans, active duty service members, and surviving spouses. They're backed by the Department of Veterans Affairs and come with benefits that no other loan program matches.

What makes VA loans stand out:

• No down payment required

• No private mortgage insurance

• Competitive interest rates

• More flexible credit and debt-to-income requirements

What you generally need:

• A Certificate of Eligibility (COE) confirming your service qualifies

• Sufficient income and credit to support the loan

• The property must meet VA minimum property requirements

Good fit for: Any eligible veteran or service member buying a primary residence. If you've served and you're buying a home, VA should almost always be the first option we look at. In many cases, VA loans can outperform conventional financing even when buyers have strong credit and savings.

Have questions about whether you qualify or how to get your COE? Reach out and we'll figure it out together.