Your Journey
VA Home Loans
You served your country. Now let your benefits work for you. VA loans are one of the most powerful home financing tools available — designed exclusively for those who've earned them.
Why VA Loans Stand Apart
VA loans consistently offer the most favorable terms of any mortgage product available. Here's what makes them unique.
$0
Down Payment
100% financing available on eligible properties
No PMI
No Private Mortgage Insurance
Even with zero down, no monthly PMI required
Low
Competitive Rates
VA loans typically offer some of the most favorable rates on the market
Flex
Credit Standards
More flexible qualification than conventional loans
VA Funding Fee
Instead of PMI, VA loans include a one-time funding fee. This fee supports the VA loan program and keeps it running for future veterans. The amount varies based on your service history, down payment, and whether it's your first VA loan.
- Can be rolled into the loan — no upfront out-of-pocket cost
- Exempt for veterans with service-connected disabilities
- Reduced with subsequent use or higher down payments
Who's Eligible?
VA loan eligibility is earned through military service. You'll need a Certificate of Eligibility (COE), which we can help you obtain.
- Active-duty service members (90+ days of service)
- Veterans (meeting minimum service requirements)
- National Guard and Reserve members (6+ years or 90+ days active)
- Surviving spouses of veterans who died in service or from service-connected disability
What You Can Do With a VA Loan
VA benefits are more versatile than most people realize.
Purchase a Home
Buy a primary residence with zero down and no PMI. VA loans work for single-family homes, condos, and multi-unit properties (up to 4 units) as long as you live in one.
Refinance Your Rate
VA Interest Rate Reduction Refinance Loan (IRRRL) — also called a VA Streamline — lets you refinance with minimal paperwork, often without an appraisal or income verification.
Cash-Out Refinance
Access your home equity through a VA cash-out refinance. You can refinance up to 100% of your home's appraised value — more than conventional cash-out options allow.
Reuse Your Benefit
Your VA loan benefit isn't one-and-done. You can reuse it multiple times throughout your life — for your next home purchase or refinance.
Ready to Use Your VA Benefit?
We'll help you check eligibility, obtain your COE, and walk you through every step. No commitment, no pressure.
Ron Heaslet • NMLS #2445039 • Serving NC, SC, GA, FL, TN & VA