VA Home Loans

VA loans are a key benefit for U.S. veterans, offering competitive interest rates, no down-payment loans, no required mortgage insurance, less rigorous underwriting standards and seller concessions of up to 4 percent. Veterans have the ability to refinance up to 80 percent of their home's appraised value and have an excellent option for cash-out refinancing.

Servicemen and women may now apply while deployed and recent legislation makes hybrid, adjustable-rate VA loans permanent with limits on annual interest-rate increases.

Benefits of VA Loan:

  • Easy to refinance
  • No down payment necessary
  • No required mortgage insurance
  • Competitive interest rates
  • Less rigorous underwriting standards
  • Seller concessions of up to 4%

What You Need:

  • Your driver's license
  • Your social security card
  • Payment stubs for the past month
  • Contact information for your landlord
  • Copies of your past two tax returns if you are employed
  • Copies of your past three tax returns if you are self employed
  • An accounting of regular monthly bills, including account numbers
  • A profit and loss statement for the current year if you run a business
  • Three months of statements for all of your savings and investment accounts
  • Certificate of eligibility
Additional documentation may be requested.