VA LOANS

A VA (Veterans Affairs) loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs, offering benefits like:

No Down Payment: Veterans and eligible service members can buy homes without a down payment.

No PMI: VA loans don't require private mortgage insurance, even with no down payment.

Competitive Rates: Often offer competitive interest rates.

Flexible Credit: More lenient credit requirements than conventional loans.

Limited Closing Costs: Caps on closing costs and seller contributions.

Assumable Loans: Buyers can take over existing VA loans.

Flexible Refinancing: Options for lowering rates or accessing home equity.

VA loans provide accessible and affordable homeownership for veterans, active-duty service members, and qualifying spouses.