VA Home Loans
An earned benefit for those who served.
Thank you for your service
VA home loans are guaranteed by the U.S. Department of Veterans Affairs and are one of the strongest mortgage benefits available. Eligible veterans, active duty service members, members of the National Guard and Reserves, and certain surviving spouses can use them to buy or refinance a primary residence.
Highlights
- Financing options that may require little or no down payment for eligible borrowers
- No monthly mortgage insurance
- Flexible credit guidelines
- Limits on certain closing costs the veteran can be charged
- VA Interest Rate Reduction Refinance Loans (IRRRL) and VA cash out refinances
- Funding fee exemption for veterans receiving service connected disability compensation
Your Certificate of Eligibility
You’ll need a Certificate of Eligibility (COE). In most cases Curtis can request it for you electronically in minutes, so you don’t have to chase paperwork.
Making VA offers competitive
Some sellers worry about VA appraisals or timelines. Curtis works closely with listing agents to explain the process and help your offer stand out, so you never have to give up a benefit you earned.
Frequently asked questions
Can I use my VA benefit more than once?
Yes. VA entitlement can be restored after a loan is paid off, and in many cases you can have more than one VA loan at a time.
Is there a VA loan limit?
Veterans with full entitlement generally are not subject to VA loan limits, though lenders still apply their own guidelines. Curtis will review your entitlement.
Does a VA loan have a funding fee?
Most VA loans have a one time funding fee that can be financed into the loan. Veterans receiving service connected disability compensation are typically exempt.
This page is general information, not a commitment to lend or an offer of credit. Program availability, eligibility and terms depend on your credit, income, property and lender guidelines and are subject to change. Contact Curtis for options specific to you.
Not sure which loan fits?
That’s Curtis’s job. Answer a few quick questions and he’ll compare your options across 60+ lenders.