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.

 With down payment plans as low as 3.5%, these loans are ideal for buyers with limited savings. VA loans also allow higher debt-to-income ratios compared to conventional loans, making qualification easier.

Additionally, they come with competitive interest rates and options for seller-paid closing costs.

Our VA First-Time Homebuyer Specialists can help you with FREE same day pre-approvals, and savings on everything from appliances to moving expenses.

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 first and most 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 pre-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 will give the seller confidence in you as a buyer.