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Best for:
Veterans or active-duty military who are looking to purchase a home.

What it is:
A VA loan is a one backed by the U.S. Department of Veteran Affairs. This type of loan can offer low interest rates with zero down payments and no monthly mortgage insurance. With an upfront funding fee that can be rolled into the loan amount, veterans are not required to pay out of pocket.

The VA loan program is an excellent choice for first time and repeat buyers alike. With zero down payment and up to 6% seller concessions available to cover closing costs and pre-paids, it is possible to structure a VA loan with little to no money out of the borrower’s pocket at closing.

VA Loan Pros and Cons

Zero down payment required
No monthly mortgage insurance
Low monthly payment


Not available to everyone - Limited to veterans or military personnel
Has upfront funding fee (VA’s version of mortgage insurance)

A VA (Veterans Administration) guaranteed home loan is the preferred loan program for active, non-active, Reserve, National Guard, and retired military of the armed forces because there is no down payment needed and no private monthly mortgage insurance required.

Unsure which mortgage program will best fit your needs? contact us and one of our home loan advisors will help find a program that best fits your unique situation.

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