VA Loans

VA Loans are mortgage loans available to veterans, service members, and their spouses. They are backed by the Department of Veterans Affairs and offer significant advantages for those who have served our country.

Benefits

  • No down payment required.
  • No PMI.
  • Competitive interest rates.
  • Limited closing costs.
  • No prepayment penalties.

Eligibility/Requirements

  • Served 90 consecutive days of active service during wartime, or 181 days during peacetime, or 6 years in the National Guard or Reserves.
  • Spouses of service members who died in the line of duty or as a result of a service-related disability.
  • Certificate of Eligibility from the VA.

Here’s an example

John, a retired Army sergeant, wants to buy a home for his family. With his VA Loan eligibility, he secures a mortgage through Hometown Mortgage with no down payment, no PMI, and a low-interest rate, making home ownership affordable and stress-free.

Every situation is unique and our team is committed to finding the perfect solution to fit your needs

Fast loan approvals, starting with a soft pull on credit.
Multiple loan options to fit your needs.
Local team with unmatched communication making this the most enjoyable home buying experience possible!