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VA Purchase Loans


The Department of Veterans Affairs created the [ VA ] loan to make it easier for veterans and active duty to purchase a home. What makes the VA loan so special is that if you qualify, you can purchase a home for no money down. Generating tens of thousands of dollars for a conventional home loan down payment of 20% can be a huge challenge for anyone, but that is no longer a hurdle from home ownership if you qualify for a VA loan.

Beyond not having a down payment, the financial requirements with a VA loan are lot less strict when compared to a conventional home loan. With a VA loan you do not need to have perfect credit nor a long credit history. You do however need to meet the minimum service requirement set by the Veteran Affairs Department. There are fewer fees because you’re able to avoid factors associated with other loans programs, like private mortgage insurance, that can save you money.

VA loan qualification requirements

    • Credit scores as low as 580 may qualify
    • Buy a home with as little as $0 down
    • Certificate of Eligibility


VA Loan Benefits

Low or no down payment
A VA mortgage loan requires little or no money down at closing – a valuable benefit that’s unique to the VA home loan program.

Lower monthly payments
Because the VA guarantees a portion of your loan, you won’t need to pay mortgage insurance premiums – a significant monthly savings.

Simplified approval process
VA loans were designed to offset common financial challenges faced by military families and veterans, and to simplify the approval process.

Military members – To be eligible for a VA loan, you must be an active-duty or former member of the armed forces with at least:

      • 90 days of consecutive service during wartime, or
      • 181 days of service during peacetime, or
      • 6 years of service in the National Guard or reserves.


Surviving spouses
 – Spouses of service members who died in the line of duty or as the result of a service-related disability.

When your ready to get started on your VA loan, we are experts to guide you through the entire process, the first step is getting you pre-approved. You can click on the button below and apply online or if you prefer to speak with one of our mortgage advisors, we would be happy to speak with you at 626-840-8343. 

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