VA Loans

What Are VA Loans?

VA loans are designed to make it easier for active-duty military, veterans, and surviving military spouses to purchase their primary residence. A down payment can be one of the biggest barriers to purchasing a home but with a VA loan, you don’t need one.

Just like the Federal Housing Authority (FHA) backs some loans, the Department of Veteran Affairs (VA) backs VA loans. And just like the FHA doesn’t actually administer the loans, neither does the VA. However, you will need to apply to the VA to get a Certificate of Eligibility (COE). After that, you will be able to apply for a VA loan through us..

We can help you figure out if you’re qualified and let you know about all of the things you’re going to need for your application.

VA Loan Requirements at a Glance

  • You must be an active-duty military service member, veteran, or surviving military spouse.
  • Obtain Certificate of Eligibility (COE) from VA.
  • You should have a credit score of at least 620 (exceptions apply). 
  • Proof of income.
  • Your debt-to-income ratio should not be more than 41%.
  • Cannot be used for second homes.
  • There is no income ceiling to qualify for VA loans.

How to Get a VA Loan

The most important part of applying for a VA loan is being eligible as a veteran, surviving military spouse, or active-duty military member. If you meet that criteria, you can give us a call for a free consultation and next steps.

Get Started on Your VA Loan

See what you could get pre-approved forr

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