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Veterans Administration Loans                                                                                         Veterans Administration Loans require no down payment and no mortgage insurance   

This page contains information on Veterans Administration Loans. Click for information on Virginia mortgages.

The VA loan is available to Active Duty Military, Veterans and Reservists. The Veterans Administration loan program gives you the ability to buy with no out of pocket cost. We are also able to pay off some consumer debt with the loan program as well. The loan maximum is $240,000 including the VA imposed Funding Fee. As the VA program requires no mortgage insurance, monthly payments are frequently less than any other no down payment loan. If you have a high interest rate VA loan, there is a low cost Interest Rate Reduction Loan (IRRL) program which allows you to refinance and lower your mortgage payment inexpensively. 

I have included some specific qualification guidelines for VA loan participation.

I have a page describing the VA IRRL (Interest Rate Reduction Loan) program.

I have included information on the various Veterans Administration Funding Fees as well.

For more information on your entitlement, please see the Veterans Administration Entitlement page.

I have provided  a link to the Veterans Administration program description and FAQs  here

I have included a page on how to calculate your qualification ratios and on VA Loan credit requirements.

I have included a page on VA Loan  documentation requirements.

I also have a Free report "Buying your First Home" available by email.

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your consumer and mortgage debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.