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VA Loans

Determine Your Eligibility for a VA Loan

You may be eligible for a VA loan if you meet AT LEAST one of the following requirements:

  • You have served 90 total days of active service during wartime or 181 continuous days of active service during peacetime.

  • You served less than 90 days of active service during wartime or less than 181 days of active service during peacetime if you were discharged for a service-connected disability.

  • You served six creditable years in the Selected Reserve or National Guard.

  • You are the surviving spouse of a Veteran who lost their life while serving or as the result of a service-connected disability, and you have not remarried.

A Certificate of Eligibility (COE) shows that you are VA-eligible and can be obtained from the VA online or by mail.

VA Refinance Loan Options

VA IRRRL (Interest Rate Reduction Refinance Loan)

Do you want to reduce your monthly mortgage payment or make your payment more stable? A VA IRRL may be the right choice for you! This is available for those with an existing VA-baked home loan.

Advantages of a VA IRRRL:

  • Lower interest rate for a lower monthly mortgage payment.

  • Move from a loan with an adjustable or variable interest rate to one that is fixed for a constant payment.

  • Option to roll closing costs into the total loan for little or no out-of-pocket expenses.

  • No appraisal, few documents needed, and flexible eligibility requirements.


NOTE: You must prove that you currently live in, or used to live in, the home covered by the loan.

VA 100% Cash-Out Refinance

Are you ready to remodel? Pay off debt? Lower your interest rate? You may be able to with this 100% cash-out refinance!

Advantages of a VA 100% Cash-Out Refinance:

  • 100% cash-out refinance (including funding fee)

  • 620 minimum credit score

  • 45% max debt-to-income ration

  • 30-year term

  • $1,000,000 max loan amount

Thank you
for your service!

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