Get answers to your questions and watch educational videos about VA home loans.
Active-duty service members, veterans, National Guard and Reserve members, and qualifying surviving spouses may be eligible. Generally, you need 90 consecutive days of active service during wartime or 181 days during peacetime. Your Certificate of Eligibility (COE) confirms your status.
The VA funding fee is a one-time fee paid to the VA to help fund the loan program. It ranges from 1.25% to 3.3% of the loan amount depending on your down payment and whether it's your first VA loan. Many veterans with a service-connected disability are exempt.
Yes! VA loan benefits can be used multiple times as long as you have remaining entitlement or have paid off a previous VA loan.
We typically look for a minimum credit score of 550, though the VA itself does not set a minimum. A higher score can help you get better rates.
Most VA loans close in 30 to 45 days, which is comparable to conventional loans. We usually fund VA loans in less than 30 days. Speed matters. Getting pre-approved upfront can significantly speed up the process once you find a home. We use streamlined digital processes to keep things moving efficiently without cutting corners.
Yes. The VA offers the Interest Rate Reduction Refinance Loan (IRRRL), also called the VA Streamline Refinance, as well as cash-out refinance options.
VA loans can be used for single-family homes, condos in VA-approved projects, multi-unit properties (up to 4 units if you occupy one), and new construction.
As of 2020, there are no VA loan limits for veterans with full entitlement. If you have remaining entitlement, limits may apply based on county conforming loan limits.
Watch short explainer videos about VA loans — from eligibility to closing day.
Sam is happy to walk you through the VA loan process personally — no pressure, no obligation.
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