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- VA 1st Time House Buyer Loans
- No Down-payment VA Home Loan
- Army, Navy, Air Force, Marines
- Fixed Rate Military Mortgages

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- Bad Credit VA Mortgage
- VA Loans with Bad Credit

Don’t Meet the VA Eligibility Requirements? Try the other government loan program.
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No Down Payment Home Loan Options with VA

Shop mortgage lenders that specialize in VA home loans for home purchasing and refinancing. Take advantage of our no money down loan programs. We offer 100% VA loans with streamline refinancing and cash out refinance to 90%. We are a VA lender who has military finance experience and a thorough understanding of government home loans you need to lock the best VA loan. The timing for a VA home loan could not be better, because rates are low and the guidelines continue to be aggressive for eligible Vets.

  • Buy a House with No Money Down
  • Compare Military Home Loan Programs
  • No Deposit and Zero Down-Payment Required with VA Home Mortgages
  • Refinance a Mortgage with No Equity Required
  • Find VA Home Loans for People with Bad Credit Scores

VA home loans are unique because the borrower doesn't not need any money for the down-payment or any equity if the qualified applicant wants to refinance. VA rates are also as low as conventional financing. Borrowers also appreciate VA home loans because there is no monthly insurance required like there is with FHA loans. There is no mortgage product in the marketplace that is as aggressive as VA home mortgages. If you qualify for a VA home loan, now is a great time to lock a low fixed rate.

VA Home Loan Rates Have Reached Record Lows!

Get a Free VA Home Loan Quote Now!

VA is the last mortgage program that still allows zero down loans for financing owner occupied properties. VA home loans are also the last true no equity refinance loan. These home mortgages require no down-payment and are offered for purchase mortgages and streamline refinancing for current VA loans. VA loan credit guidelines continue to maintain their flexibility and minimal credit score requirements regardless of equity. Please consider one of our VA loan applications and one of our experienced VA loan officers will follow up with you shortly.

According to BD Nationwide, there have been significantly more VA mortgages originated online than in previous years. VA lending had increased almost 9% last year and 7% the year before that. Visit their website for more insight on the rise of VA loans from there mortgage refinancing lenders online.

Grants for Adapted Housing
Did you know that there are military financing alternatives? There are grants available for adapting an existing home to accommodate a veteran's service-related disability. The Specially Adapted Housing grant (SAH) can be used for home construction even if the land has not been purchased. The Special Housing Adaptation grant also known as, SHA can be used to make a military borrower's existing house accessible for his disability or to adapt a house in which the disabled veteran will live.

VA Home Loans with Bad Credit Scores Are Acceptable in Some Cases.
30-day late payments on credit cards must be explained in a letter:
If the charge card is in the Spouse's Name it must be verified with a credit supplement

Bankruptcy Considerations Under the VA House Loan Programs

  • Chapter 7
  • Chapter 13
  • Documentation of the debt restructure required
  • Acceptable 12 month payment history of the debts included in the bankruptcy
  • Documentation of the court's permission to proceed
  • The reason for the Bankruptcy must be documented and not likely to reoccur

Credit Report

  • 3-Bureau Credit Report required on Disclaiming Spouse for Community Property States only
  • Non-Traditional credit reports are ineligible for most VA home loans

Open 30-day charge accounts require the balance to be paid in full every month. If sufficient assets to cover the unpaid balance in addition to down payment/closing costs/reserves are verified and submitted to the underwriter, the debt may be excluded from the debt to income ratio. If sufficient assets are not verified, the entire outstanding balance must be included in the debt to income ratio when considering all VA home mortgages.