The right loan, every time!
A VA loan is a mortgage option guaranteed by the Department of Veterans Affairs for eligible Veterans, Service Members, and surviving spouses. VA loans offer low upfront costs and flexible qualification options.
- Low upfront costs
- No down payment required with full entitlement (up to the VA appraised value)
- No monthly mortgage insurance (PMI)
- Gift funds allowed
- No cash reserve requirements
- Sellers may pay for required repairs and closing costs
- No pre-payment penalty
- 580 minimum FICO
- VA Funding Fee applies (helps support the VA Home Loan program)
- The VA Funding Fee may be financed into the loan
- Visit VA.gov for current funding fees and loan closing costs.
If you are a veteran interested in a refinance, visit our VA Interest Rate Reduction Refinance Loan page.
To determine eligibility, provide your Certificate of Eligibility (COE) or Discharge/Separation form (DD214). If you do not have your COE, no problem! Call your loan originator today and they can pull it for you and provide further instructions.
what our customers say
Jerry Smith is someone you can trust and will be there when you need him. Would definitely recommend him to anyone he will help you.
07/14/2026
Made buying a house understandable and easy!
07/14/2026
We couldn't have done it without them. Thank you all so much.
07/14/2026
First time homebuyer here with zero experience doing this, the Lithgow team made the process super simple and took the time to fully explain everything every step of the way.
07/14/2026
The entire interlinc team was professional and courteous We would use them again
Midland City, AL, 07/13/2026
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