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VA Financing - 100% Financing 

Honor and Benefits for Those Who Served: VA Home Loans

You've served our country, and you deserve this well-earned benefit. Your bravery and sacrifices are deeply appreciated.

Veterans Affairs guarantees a portion of the loan, offering a competitive interest rate often without requiring a down payment or Private Mortgage Insurance (PMI). Eligible borrowers must have suitable credit, sufficient income, and a valid Certificate of Eligibility (COE) to qualify for a VA-guaranteed home loan.

Who qualifies for a VA loan?

  • Active-duty service members, veterans, current or former National Guard or Reserve members, and surviving spouses.

  • A minimum credit score of 640 is required.

  • A valid Certificate of Eligibility (COE) is required.

  • Additional VA forms are necessary.

VA loan requirements as set by the U.S. Department of Veterans Affairs:

  • The basic entitlement available to each borrower is $36,000. We can loan up to 4 times the available entitlement without a down payment, provided the borrower's income and credit qualify, and the property appraises for the asking price.

  • Maximum VA Financing as of 2024 is $766,550. While there's no set cap on how much you can borrow, there are limits on the amount of liability the VA can assume.

Contact your First American Mortgage loan officer to initiate the process for your VA Home Loan and make the most of this well-deserved benefit!

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