VA
VA loans are special home loans made for veterans, active-duty service members, and their families, guaranteed by the U.S. Department of Veterans Affairs (VA).
No Down Payment
One of the most significant benefits of a VA loan is that it often you are not required to put a down payment, making homeownership more accessible.
Low Interest Rates
VA loans typically offer lower interest rates compared to conventional loans.
No PMI
Unlike many conventional loans, you won't have to pay for private mortgage insurance (PMI), which can save you a lot of money each month.
Easier to Qualify
VA loans usually have more flexible credit score requirements, making it easier to qualify even if you have less-than-perfect credit.
Lower Closing Costs
The VA places limits on the amount veterans can be charged for closing costs, which helps keep your upfront costs down.
Help with Foreclosure
If you run into trouble making payments, the VA can offer help to avoid foreclosure.
Am I eligible?
You might be eligible if:
You're a veteran who meets the service requirements
You're currently serving in the military
You're in the National Guard or Reserves with at least 6 years of service
You're the surviving spouse of a veteran who died in service or due to a service-related injury (and you haven't remarried, with some exceptions)
No down payment, no PMI, low interest rates...
Easy to qualify, support when you need it.
Homeownership made affordable for veterans!
Cindy Regan, All Rights Reserved
Cindy Regan - Originating Branch Manager - NMLS #264375
The Lending Authority Team - Hancock Mortgage -Powered by City First Mortgage Services LLC - NMLS #3117
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. The Lending Authority Team powered by City First Mortgage Services is not an agency of the Federal Government, and is not acting on behalf or at the direction of HUD/FHA.
Cindy Regan, All Rights Reserved
Cindy Regan - Originating Branch Manager - NMLS #264375
The Lending Authority Team - City First Mortgage Powered by Gold Star Financial Group
NMLS #3446
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Gold Star Mortgage Financial Group, Corporation (NMLS ID #3446) is an Equal Housing Opportunity lender and FHA-approved lender. Gold Star Mortgage Financial Group, Corporation is a California financial lending institution licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Gold Star Mortgage Financial Group, Corporation is not the FHA or any other government agency. The FHA does not directly originate, underwrite, service, or guarantee any residential mortgage loan. Not all products are available in all states.
Gold Star Mortgage may choose to recommend Modern Title Group LLC (at times, d/b/a Gold Star Close) or Radiant Insurance, LLC. Gold Star Mortgage has a direct or indirect financial or ownership interest in Modern Title Group LLC (at times, d/b/a Gold Star Close) and Radiant Insurance, LLC. You are not required to use either Modern Title Group LLC (at times, d/b/a Gold Star Close) or Radiant Insurance, LLC.
