Mortgage
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The VA Loan

A VA loan is a guaranteed mortgage loan supported by the U.S. Department of Veteran Affairs that allows veterans to obtain home mortgages without a down payment. The VA determines the eligibility and insurance for the loan, while a private lender disburses the loan.

Benefits of a VA Loan:
  • No down payment
  • No maximum loan amounts
  • No early pay-off penalty
  • No PMI (Private Mortgage Insurance)

Additional Information
A VA loan guarantees insurance if the loan defaults and the lender forecloses on the loan. Only primary residences qualify for the mortgage program. A spouse may continue occupancy if the Veteran is on active duty or is unable to occupy the home due to employment in another area. Surviving spouses are eligible for a VA loan should they not remarry.