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VA loans were originated in 1944 by the United States Congress as part of the Servicemen’s Readjustment Act.  A VA loan is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs.  The VA loan was designed to offer long term financing to American veterans and their surviving spouses. More than 27 million veterans and service personnel are eligible for VA financing.  Veterans should consider the advantages of a VA home loan.

  • 30-year or 15-year terms available

  • Adjustable rate mortgages allowed

  • 100% financing (no down payment)

  • Single family and 2-4 units acceptable

  • Primary residence only

  • Flexible or no credits

  • 2 years post-bankruptcy

  • 3 years post-foreclosure

  • Common sense underwriting

  • Seller concessions up to 6%

  • Loans can be assumable

  • Maximum loan amounts are restricted by geographical area

  • No monthly mortgage insurance

  • Borrower must be an eligible veteran or a surviving spouse

  • Purchase or refinance