VA Loans

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VA Mortgage Program

Designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.


  • 15- or 30-year fixed-rate mortgage.
  • 3- or 5-year adjustable-rate mortgage.
  • When purchasing a home, veterans may borrow up to 100% of the sales price or reasonable value of the home, whichever is less.
  • When refinancing a home, veterans may borrow up to 100% of reasonable value in order to refinance where state law allows.
  • No down payment per VA county limit.
  • Seller assistance may be possible.
  • Loan amount up to $417,000.
  • Low minimum credit score.


  • 1- to 4-unit property.
  • PUDs.
  • Condominiums.
  • Manufactured homes (refinances of
    currently serviced loans only).

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