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VA Home Loan

VA loans offer a multitude of benefits to make homeownership accessible to those who have served our nation. Certainty Home Loans is an approved VA lender providing veterans, active-duty, National Guard, reserves, and surviving spouses with extraordinary options to purchase or refinance a home.
 

For our Veterans & Active-Duty Military

Created in 1944 to help give back to those who sacrificed so much for our country, the VA loan program was part of the original GI Bill of Rights. In many ways, it helped reshape America.

The VA mortgage is fully backed by the US government and is one of the most attractive and flexible mortgages available to those who qualify. It offers up to 100% financing for homebuyers with sufficient entitlement to qualify and does not require monthly private mortgage insurance, which could save you hundreds of dollars a year. It also has more lenient credit and qualifying criteria when compared to a conventional mortgage.

While there are many pros that come with the VA loan, they do require that a fee be added to the loan amount. It is called the VA Funding Fee and is a percentage of the overall loan amount. The amount can vary depending on a few factors, so it is important that homebuyers understand how it works and what they can expect to pay. Read all about the VA Funding Fee here.

If you aren't sure if you qualify for VA financing, speaking to a Certainty Home Loans Loan Officer is a great place to start. Get pre-qualified today to take full advantage of your well-deserved VA benefits.

 

 

Finance Your Home with Confidence Guide

Buying your dream home is possible! And with Certainty Home Loans by your side, you can navigate the mortgage process with confidence. This guide is to help you navigate your financing journey and help you know what to expect every step of the way.

Flexible Icon

Flexible qualifying guidelines with lower credit score requirements

100% financing available Icon

100% financing available, meaning no down payment is required

VA loan benefit Icon

The VA allows sellers to assist with a percentage of closing costs

No PMI Icon

No monthly private mortgage insurance required

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Common VA questions, answered.

The Veterans Administration (VA) loan program is funded by community mortgage companies but backed by the U.S. Department of Veteran Affairs. Borrowers are eligible for VA Loans if the property to be purchased will be owner-occupied and they are Veterans, active military personnel, the military reserve, the National Guard, or in some cases are a surviving spouse. It may be possible for a veteran to obtain a 100% loan up to the current loan limit with no down payment, and the seller or builder is allowed to pay all of the veteran's closing costs, making the total cash required to purchase, in some instances, zero. If the veteran desires a higher priced home, he or she is generally required to make a down payment on the amount exceeding the current guaranteed loan limit. Historically, the Veterans Administration was more liberal than conventional lenders with regard to the veteran's credit standing and qualifying for the VA loan, but recent changes to VA underwriting practices now make the qualifying criteria similar to conventional mortgages.
A down payment with an VA home loan is not required, meaning you can finance 100% of your loan amount.  While you won't pay for monthly private mortgage insurance, VA loans require a Funding Fee which may be financed, so you should have minimal out-of-pocket closing expenses.

If you’re not sure if you can qualify for a VA mortgage, speaking to a Certainty Home Loans Loan Officer who specializes in VA financing is a great place to start. Get pre-qualified now to take full advantage of your well-deserved VA benefits.
 
VA home loans are exclusively for qualifying active-duty service members, veterans, reserve members, National Guard members, and eligible surviving spouses. To qualify for a VA mortgage, you must have sufficient credit and income and a valid Certificate of Eligibility (COE). Read more about our available loan products here.

You may also be able to refinance your existing VA loan and obtain a lower interest rate with a VA Interest Rate Reduction Refinance Loan (IRRRL) or a cash-out refinance loan. Read more about refinance options
 
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