VA Loan Program

The VA loan is a mortgage loan program, available to active and retired military, reservists, and surviving spouses, that's guaranteed by the U.S. Department of Veterans Affairs (VA). VA loans offer 100% financing with flexible qualifying criteria and favorable loan terms.

Program Highlights:

  • 100% financing
  • Seller of a home can pay closing costs: up to 2 discount points, the prepaids, and an additional 4% (toward the buyer's discretion)
  • Homebuyers can add up to $6,000 to their Va loan to have energy-efficient improvements installed
  • No monthly mortgage insurance
  • Less restrictive qualifying terms
  • Homebuyers are still eligible, even after a short sale

To be eligible you must have sufficient entitlement available with VA and be a(n):

  • Veteran (single or married)
  • Active duty service member
  • National Guard member
  • Reserve member
  • Surviving spouse of an eligible veteran (certain restrictions apply)


Contact one of our mortgage loan officers to get pre-qualified today!


Subject to credit approval. Other restrictions may apply. Loan programs may change at any time with or without notice. Not a commitment to lend.