Just Follow These Simple Steps

	Obtain your Certificate of Eligibility. If you don't already have your Certificate of Eligibility we are happy to help you get one. »Certificate of Eligibility«
	Apply online, by fax, or mail. »VA Loan Application«

VA Loan Benefits

Equal opportunity.
No downpayment (unless required by the lender or the purchase price is more than the reasonable value of the property).
Buyer informed of reasonable value.
Negotiable interest rate.
Ability to finance the VA funding fee (plus reduced funding fees with a downpayment of at least 5% and exemption for veterans receiving VA compensation).
Closing costs are comparable with other financing types (and may be lower).
No mortgage insurance premiums.
An assumable mortgage.
Right to prepay without penalty.
For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
VA assistance to veteran borrowers in default due to temporary financial difficulty.

Apply for your VA Loan

	Apply by phone Personal Loan 888-878-6584.
	Apply online »VA Loan Application«

Is refinancing right for you?

The first thing you need to do is determine what you would like to accomplish. This will help to narrow your choices. The most common reasons people want to refinance are:

Lower monthly payments
Reduce interest rates
Shorten the time to payoff
Consolidate debt
All of the above

I want to refinance my home, what next?

Once you have decided to refinance, there are a few choices you need to make. VA offers two types of refinancing options, the Interest Rate Reduction Refinancing Loan (IRRRL) and the Cash Out.

You also need to consider the term of the loan. The most common loans are for 15 and 30 year terms. You will have the option of a fixed rate or an adjustable rate.

»VA Loan Facts«

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