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A VA loan is a mortgage that is guaranteed by the US Department of Veteran Affairs. VA loans are designed to enable our active duty military and veterans to achieve homeownership. These loans are unique as they provide our service members with more flexible terms than what could be obtained through Conventional or FHA loans. This program also applies to certain military and veteran spouses.
In order to be eligible to utilize the VA loan, at least one of the following must apply:
Whether you’re looking to make a new purchase, or you’re looking to refinance, we have you covered. Service members can choose from both fixed rate and adjustable rate mortgages, which ever product best serves their needs. When it comes to refinancing, current veterans with a VA loan may refinance with the VA Interest Rate Reduction Refinance Loan (IRRRL), also referred to as the VA Streamline Refinance, and the VA cash out refinance, to lower their interest rate or to take cash out respectively. Streamline refinances offer the ease of a simplified loan process and there is no need to submit bank statements, W2s, or pay stubs. If you have any further questions regarding your options for a VA loan, speak to one of our VA product specialists today!