Homebuyer FAQ.

A VA loan is a mortgage benefit available to eligible veterans, active duty service members, and surviving spouses. It is guaranteed by the U.S. Department of Veterans Affairs, which means lenders take on less risk and that means better terms for you. The biggest advantages: no down payment required, no private mortgage insurance (PMI), competitive interest rates, and more flexible qualifying standards than conventional loans.

VA loan eligibility generally includes: active duty service members with 90+ days of continuous service, veterans who meet minimum service requirements (typically 90 days during wartime or 181 days during peacetime), National Guard and Reserve members with 6+ years of service or 90 days of active duty, and surviving spouses of service members who died in the line of duty or from a service-connected disability. The best way to confirm your eligibility is to obtain your Certificate of Eligibility (COE) — our lending team can pull this for you at no cost.