VA Loans

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Advantages of VA Loans for Military Homebuyers:

VA Loans offer many advantages over conventional loans and it is certainly one of the easiest and most appealing paths to becoming a home owner. Benefits include:

Lower Payments
VA loans offer competitive rates and no private mortgage insurance requirements that can result in hundreds of dollars saved each month.
No Down Payment
VA Home Purchase Mortgages offer up to 100% financing. VA is one of the only mortgage programs available in the US today with no down payment required!
100% Cash Out
The VA loan program is one of the only programs that allows a borrow to refinance and take cash out up to 100% of the value of your home.
Easy Qualifying
VA loans allow for a higher Debt to Income ratio which means less required income and easier qualifying.
Quick Funding
Less restrictive guidelines for VA loans means less red tape and faster loan funding. We can close your VA loan in as little as 7 days!
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Equal Opportunity
You may be eligible for a VA loan if you have served in any of the five major branches of Military service including Army, Navy, Marines, Air Force and the US Coast Guard. Serving in the National Guard or Reserve may also help you gain eligibility.
If you meet one or more of the following, you may qualify for a VA loan:

  • A minimum of 90 consecutive days of active duty service during wartime.
  • A minimum of 181 days of active duty during peace time.
  • 6 or more years of service in the National Guard or Reserves
  • A spouse of a deceased service member who has died in the line of duty, including POW and MIA veterans.
  • 100% LTV Financing Available – $0.00 Down Payment!
  • NO Monthly Mortgage Insurance Fee
  • NO Pre Payment Penalty
  • ZERO VA Funding Fee for Disabled Veterans
  • Fixed and Adjustable Rate Options
  • All Closing Costs May be Paid by Seller
  • Manufactured Homes OK
  • Less Restrictive Debt to Income Requirements
  • Fast Closing – In As Little As 7 Days!
  • LendPlus Offers Lender Credits to Reduce Closing Costs!
  • Must be Owner Occupied
  • Up to 95% Cash Out – use this money to make home improvements or pay off high interest debt.
  • Some Individuals May Qualify for No Income or Asset Verification
  • Flexible Credit Score Options
  • Appraisal May Not be Required
  • NO monthly MI
  • Manufactured Homes OK
  • Less Restrictive Debt to Income Requirements
  • Fast Closing – In As Little As 7 Days!
  • LendPlus Offers Lender Credits to Reduce Closing Costs!

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