• The VA is not a Lender. Lenders make VA Loans and the Dept of VA guarantees those Loans.
  • For Borrowers who are Active Duty, Reservists or Honorably Discharged with U.S. Armed Forces (Army, Navy, Marines, Air Force, Coast Guard)
  • Rates offered include 15,20,25,30-year fixed as well as ARM products
  • Available for Purchase and Refinance
  • Although VA doesn’t have a minimum FICO Score requirement, typically 580 minimum score required (640 for more flexible Underwriting)
  • No cash reserves required
  • Eligible Properties include Manufactured Homes, Condos, Townhomes, 2-4 Unit multifamily as well as Single Family dwellings
  • VA Loans are for Veterans or their spouses only; with exception an unmarried widow of deceased Veteran can also qualify
  • Upto 100% financing with no Mortgage Insurance (Loan limits apply)
  • One time upfront Funding Fee charged by VA and financed with the Loan (waived for Veterans with serviced related Disability)
  • VA Streamline: a special refinance loan to drop payment without appraisal and without income qualifying
  • Seasoning Rules Since Past Derogatory Credit Events For VA Loans: (i.e. since Foreclosure, Bankruptcy, Short Sale) See informative Video at

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