VA Home Loan

VA loan programs are designed to meet your unique housing needs—whether you're buying, building, or refinancing. In my experience, it’s the best mortgage option available. You served our country, and you deserve nothing less than the best.

Existing Home Purchase

The most commonly used VA loan is for purchasing a move-in ready home. There’s no minimum credit score required, but you’ll need to show 12 months of strong credit history. This loan is for your primary residence only and offers key advantages: no down payment, no mortgage insurance, and typically better interest rates than conventional or FHA loans.

Have you dreamed of building your ideal home but thought it was out of reach? The VA construction loan makes it possible. There’s no mortgage payment during construction, no down payment required, and you don’t need perfect credit. It follows the same VA guidelines, with just a few additional requirements. This is your opportunity to build the home you’ve always wanted.

Already own a home and looking to lower your rate, pull cash from your equity for repairs, or consolidate debt into one low fixed payment? A VA refinance loan can help. There are two main types: the VA IRRRL, which allows you to refinance from one VA loan to another with a lower rate and minimal paperwork, and the VA Cash-Out Refinance, which lets you tap into your equity and roll it into a new VA loan.

VA Construction Loans

VA Refinance Loans

I never knew you could utilize your VA entitlement for a VA Construction Loan. Shirley and her team walked us through the process from start to finish. I am so grateful we found her!

Jonathan B., U.S. Army Veteran

★★★★★

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Reach out to us to learn more about VA construction loans and how you can benefit from this program.

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