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
I could go on and on about these guys, but to keep it short and sweet, these guys are super helpful and on top of things! I loved being able to reach out at almost any time of the day and they would get right back to me and explain...
05/29/2026
Heather Gatewood made my buying experience a pleasant one. She made sure that I was taken care of during the entire process. I highly recommend her to anyone that is interested in purchasing a property!
05/29/2026
We have truly enjoyed working with Michael and team .
Rutledge, TN, 05/28/2026
Rory, it was so fun working with you with our little Jimmy P. lets do another one and hope to see you soon and maybe with Patterson's .
Nashville, TN, 05/28/2026
did a great job in this whole process and communicated very well on everything that was taking place. Lisa is very knowledgeable when it comes to this stuff and I highly recommend her.
Columbia, AL, 05/28/2026
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