The right loan, every time!
A VA loan is a mortgage option guaranteed by the Department of Veterans Affairs for eligible Veterans, Service Members, and surviving spouses. VA loans offer low upfront costs and flexible qualification options.
- Low upfront costs
- No down payment required with full entitlement (up to the VA appraised value)
- No monthly mortgage insurance (PMI)
- Gift funds allowed
- No cash reserve requirements
- Sellers may pay for required repairs and closing costs
- No pre-payment penalty
- 580 minimum FICO
- VA Funding Fee applies (helps support the VA Home Loan program)
- The VA Funding Fee may be financed into the loan
- Visit VA.gov for current funding fees and loan closing costs.
If you are a veteran interested in a refinance, visit our VA Interest Rate Reduction Refinance Loan page.
To determine eligibility, provide your Certificate of Eligibility (COE) or Discharge/Separation form (DD214). If you do not have your COE, no problem! Call your loan originator today and they can pull it for you and provide further instructions.
what our customers say
A huge thank you to Jackie and Rebecca! Jackie was amazing throughout the process, and Rebecca was incredibly helpful in getting everything finalized. Great communication, great service, and a smooth closing experience.
06/9/2026
Thanks for everything
Snyder, TX, 06/6/2026
So very thankful! This team went over and beyond for my family and made the process super smooth! Words can’t describe how grateful I am! Just AMAZING!
06/5/2026
Great communicating Staff . Make the app more efficient for looking or loading information . Sometimes the app doesn't work when trying to open it
Lebanon, TN, 06/5/2026
These were amazing!!!!!!
Seguin, TX, 06/5/2026
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