VA Loans

We're proud to serve those who serve our country.

The VA Home Loan Program was started in 1944 as a part of the GI Bill of Rights following World War II. It was created to reward those currently serving in the military and veterans that have served. As part of the GI Bill, the government created a special government insured mortgage program to minimize down payments, lower closing costs, and help active-duy service members and veterans achieve the dream of homeownership.


  • One of the primary benefits of a VA mortgage is that in most cases a down payment isn't required. It is one of the only home loan programs in the country without a required down payment or private mortgage insurance. VA allows veterans to pay up to 1% of their loan amount toward VA non-allowable fees.
  • VA interest rates and annual percentage rates (APRs) tend to be lower when compared to other home loan mortgage programs. Individual interest rates for VA loans are still dependent on your personal situation. Factors that can affect VA interest rates include your credit scores, how much your down payment is, the value of the home, etc.

For eligible veterans and their families, the VA home loan is a truly great financing option and one to explore with Laurie Mays, your experienced mortgage professional.


VA flyer group

Certified Veterans Lending Specialist

Laurie Mays: VA Lending with a Heart for Service

As a Certified Veterans Lending Specialist, Laurie Mays is honored to help veterans achieve their homeownership dreams. With Laurie by your side, you'll effortlessly move through the VA mortgage process from start to finish.

"I have long had a passion for working with military members, both active duty and retired, and their families," Laurie says. "My significant other served this country for 20 years in the U.S. Navy as a Chief Petty Officer. Additionally, my grandfather, stepdad, and several uncles were in the Navy. Military members have always been very near and dear to my heart."

Laurie explains, "I currently live in a community that is heavily populated with Marine families due to its proximity to Camp Lejeune Marine Corp Base. Taking a drive down my street, one can’t help but notice all the American flags proudly displayed on most every home. For these reasons, I made the decision to become a Certified Veterans Lending Specialist in 2020. My goal is to assist veterans in obtaining the benefits they’ve earned with VA loans. As a CVLS, I’m aware of the special nuances involved in VA loans and military family relocations. Feel free to contact me for more information or to discuss your eligibility for a VA loan."