VA Loans - Why a VA Loan?

It's simple ... Lower Rates. Lower Payments. $0 Down.

Find out why thousands of people are using their VA Loan benefit every single month. Allow us to help you lower your monthly payment, lower your interest rate and purchase a home with $0 down.

Purchase with $0 Down

A VA Loan is one of the only loan programs that still allows the borrower to finance 100% of the home's value and purchase with $0 down. Now more than ever banks are requiring large down payments for conventional loans. In many cases they require 10-20% down, putting home ownership out of reach for many prospective buyers.
Conventional loans will require a minimum of 5% down, and often up to 20%.
See how much $0 down will save you.

Lower Rates and Lower Monthly Payment

Because the loan is backed by the government, banks do not require PMI (private mortgage insurance) which is an added monthly expense. Interest rates for VA Loans are typically 0.5%-1% lower than conventional loans. These two advantages add up to big monthly savings.

VA Loan - Estimated Monthly Payment Savings
Loan Amount	1.0% Rate Reduction	PMI Savings	Est. Monthly Savings
$150,000	$94	$115	$209
$250,000	$156	$191	$347
$350,000	$220	$268	$488
$450,000	$282	$345	$627

*Estimates based the borrower putting $0 down with a 1.0% interest rate deduction.

Lower Your Monthly Payment

A VA Loan offers two benefits that will substantially lower your monthly payment. PMI, or private mortgage insurance is not required on a VA loan. PMI is an added monthly expense required for conventional loans where the borrower finances more than 80% of the home's value.

Getting Qualified is Easier

The qualification guidelines are less stringent for VA Loans. Because the loan is backed by the government, banks have relaxed the often strict lending rules for VA Loan applicants making them easier to obtain.

We are different than other lenders. Find out how these differences will help you unlock the power of a VA Loan and maximize your financial benefits.

We Are Specialists with VA Loans

This dedication and focus gives our Loan Officers far more VA experience over a typical Loan Officer at another firm who may do one or two VA Loans per year. It is important that your Loan Officer know the in's and out's of the VA program in order to get the process done quickly and to ensure you maximize your financial benefits.

We Make the VA Process Fast and Simple

This extensive VA experience enables us to streamline the VA Loan process, making it smooth and easy for you. Once you get started, your VA Loan Officer will be there with you every step of the way, gathering the necessary paperwork and will work with the VA on your behalf.

We are a VA Approved Lender

The Department of Veteran Affairs requires those who offer VA Loans go through a stringent approval process.