What is a VA Loan?

A mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders (like us). It’s designed specifically to help you purchase a home with fewer restrictions and with little to no down payment. The Veterans Affairs (or VA) loan is governed by the United States Department of Veterans’ Affairs and offers lower rates and lower payments.

Types of VA Loans We Offer

VA Purchase Loan

  • $0 down payment
  • No mortgage insurance
  • Available for single-family homes, condominiums, manufactured homes, duplexes and new construction


  • VA Interest Rate Reduction Refinance Loan (IRRRL) – most popular VA refinance option
  • Simple and low-cost
  • Must currently have a VA loan to apply

VA Cash-Out Refinance

  • Refinance and utilize the cash from your home’s equity
  • Open to veterans with or without a current VA loan
  • Up to 100% cash-out available