VA Loans

For most eligible borrowers, yes — VA loans allow you to finance 100% of the home's purchase price with no down payment required, as long as the loan amount doesn't exceed your entitlement and the home appraises at or above the purchase price.

The VA funding fee is a one-time fee paid to the VA that helps keep the loan program running for future veterans. The amount varies based on factors like your down payment, whether it's your first time using the benefit, and your service category. Some borrowers, such as those with a service-connected disability, are exempt. We'll calculate your exact fee upfront so there are no surprises.

Yes. VA loan eligibility isn't a one-time benefit — many veterans use it multiple times throughout their lives, whether buying a new home after relocating or upgrading to a different property, as long as sufficient entitlement is available.

The VA itself doesn't set a minimum credit score, but individual lenders typically look for a score of at least 580-620. We'll review your credit profile and let you know exactly where you stand.

Yes. VA loans offer two refinance options: the Interest Rate Reduction Refinance Loan (IRRRL), which lowers your rate with minimal documentation, and the VA Cash-Out Refinance, which allows you to tap into your home's equity. We'll help you determine which option fits your goals.

VA loans can be used to purchase single-family homes, certain condominiums, and multi-family properties up to four units, as long as you intend to live in the home as your primary residence.

VA loans typically close within 30 to 45 days, similar to conventional and FHA loans. Because VA appraisals also evaluate the property's condition and safety, occasionally factoring in additional time for repairs, our team works to keep the timeline on track and communicate clearly throughout.