NMLS

We encourage users to use the free NMLS Consumer Access Link to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state.

VA Add Home Improvements to a Purchase

An VA Loan is now the most popular loan for First Time Home Buyers.

Purchasing a home is one of life's major landmarks and for some, it is even a dream come true. We understand the magnitude of this decision and it is our goal to make your transition into home ownership unforgettable. Our VA First-Time Homebuyer Specialists help you with FREE same day pre-approvals, low down payments, and savings on everything from appliances to moving expenses. VA First Time Home Buyer (FTHB) offer a variety of programs to help potential homeowners navigate the home buying process. Partner agencies in for each individual state provide education, mortgage loan programs and more assistance for families and individuals to find the right home.

Some of these features include:

Competitive Interest Rates - Often lower than conventional loan rates, reducing monthly payments.
Low Down - Payment Programs
Family Gifts can be used as the down-payment
Multiple Property Types Allowed - Can be used for single-family homes, condos, and some multi-unit properties
Energy-efficient mortgage VA Loan Program that allows borrowers to combine the cost of energy-efficient upgrades into their VA Loan loan upfront
VA Flexible Debt-to-Income Ratios - Higher DTI ratios accepted compared to conventional loans
Government-Backed Security - VA insurance reduces risk, increasing loan approval chances
Assistance with Closing Costs - Sellers and lenders can contribute toward closing expenses

The important step in purchasing a new home is to get an VA Pre-Approval Letter for a home loan. The peace of mind that comes with knowing that your mortgage loan has been approved will allow you to shop for your new home with confidence. And when you are ready to make an offer, the fact that you have already been pre-approved for your loan amount will give the seller confidence in you as a buyer.

VA Loan Information

Note- The VA (Veterans Administration) does not lend money. The VA is part of HUD & backs individual

Our mission is to help you find the best VA Approved Lender who can help you secure financing.

When you fill in our short application we will provide your information to one, (and only one) VA Approved Lender who can help you based upon many factors, including your State, the type of VA Loan, and your Credit History.

VA News 2025

The VA Weekly mortgage demand surges 11% higher, as interest rates dropped for the sixth straight week. The VA is part of HUD & backs individual

HUD Announces Changes to VA Multifamily Mortgage Insurance Programs Home Loan: VA to increase individual loan proceeds available to create new or refinance existing affordable multifamily rental properties and create new or substantially rehabilitate properties that provide rental opportunities for middle-income individuals and families.

VA Proposes Looser Boarder Income Requirements For Qualifying Borrowers:These proposed changes include reducing the acceptable rental income history from two years to 12 months and expanding the types of acceptable income verification documentation

Down payment assistance programs remain underutilized, despite high eligibility among borrowers:the Quarterly Report to Congress from the U.S. Department of Housing and Urban Development (HUD) on the Veterans Administrations Single-Family Mutual Mortgage Insurance Fund, only 58.46% of the loans the agency endorsed were originated without the borrower receiving help for a down payment,