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VA Loans

First and foremost.  I am a Marine, I love helping other vets!  We have closed many VA loans.  Call me so that I can help you get the benefits you earned! -Semper F

VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. 

Other benefits of a VA loan include:

  • Great interest rate.
  • Closing costs comparable – and sometimes lower - than other financing types. (VA limits the fees that can be charged at closing)
  • No private mortgage insurance requirement.
  • Right to prepay loan without penalties
  • Mortgage can be taken over (or “assumed”) by the buyer when a home is sold.
  • Counseling and assistance available to veteran borrowers having financial difficulty or facing default Marineson their loan.

Although mortgage insurance is not required, the VA charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee may be paid in cash by the buyer or seller, or it may be financed in the loan amount.

A VA loan can be used to buy a home, build a home, and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weather-stripping/ caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.

Veterans must meet certain eligibility qualification dictated by the VA. A Certificate of Eligibility from the VA must be presented obtained to qualify for the loan, if you dont have this document we can help you get it.


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