VA Mortgages

Affordable homeownership for those who serve
It’s your Advantage

Take Advantage Of Your Well-Earned Benefits

The VA home loan program, backed by the U.S. Department of Veterans Affairs, is a great option for veterans, reservists, active duty, and retired military personnel to afford a home.

What To Expect

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Up to 100% Financing

You find the home and we’ll take care of the loan. We’ll provide up to 100% financing on the property of your choice.

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Qualify With Confidence

Our VA Mortgages give you the easiest path to homeownership with more relaxed qualifying terms and no monthly mortgage insurance.

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Choose Your Rate

Our VA Mortgages give you the option to choose from a fixed or adjustable rate.

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Improve Your New Home

Add up to $6,000 to your mortgage for energy-efficiency improvements.

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Cash Out

We also offer up to 90% cash out financing.

Call 757-877-2444 to apply for a VA Mortgage Loan.

How Does A VA Mortgage Loan Work?

The U.S. Department of Veterans Affairs guarantees your home loan.

Since your VA Mortgage is backed by the U.S. Department of Veterans Affairs, this guarantees part of your loan. That means if your loan goes into foreclosure, the guarantee allows us – your lender – to at least recover some of our losses.

That guarantee translates to less risk for us and helps us approve you for the financing and it helps you get more favorable loan terms. According to the U.S. Dept. of Veterans Affairs, about 90% of all VA-backed home loans are made without a downpayment.

Interested in finding out if a VA loan is right for you?

Give Us A Call

Estimate your monthly mortgage payment

Enter a total loan amount and planned down payment into this calculator to estimate your monthly mortgage payment.

Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly.

Our Award-Winning Mortgage Team

Our friendly mortgage professionals are here to help. Contact us to get started today.

Alicia Bowen Headshot

Alicia Bowen

Mortgage Sales Manager

NMLS #305735



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Tamala Olszewski

Mortgage Loan Officer

NMLS #1581742


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Susan Ward

Mortgage Sales Coordinator

NMLS #1816060


Got Questions? We’ve Got Answers.

Similar to traditional loans, there are credit score requirements to get approved for a VA home loan. Credit score is important but it’s not the only factor. Call 757-877-2444 to discuss your options with one of our experienced mortgage professionals.

With a VA home loan, you may be eligible for lower interest rates and better loan terms than you’d normally qualify for. Although rates still depend on your credit score and other factors, you can get an idea of what to expect by viewing our loan rates.

VA loans are for active duty and veteran members of the military, as well as their spouses. Civilians who are or have not served in the military are likely not eligible for this program. To check your eligibility, call one of our VA home specialists at 757-877-2444.

When using a VA home loan, you will be responsible for the closing costs associated with your home purchase. That means the closing costs will factor into the out-of-pocket costs for purchasing your home. These costs typically add up to 1-5% of the loan amount.

Just like any loan, there are many factors that come into play during the VA loan process. Ultimately, each person is in a unique situation that dictates how the loan gets managed.

With that said, common reasons that prevent or delay VA loans from being approved include: missing files and paperwork errors, employment changes, major purchases made during the process, and military status. Call us at 757-877-2444 to check your VA loan eligibility.

Yes. Despite the myth that VA loans take a long time to close, the truth is they’re not far off from the overall average. According to Military Times, the average time to close for all loan types is 46 days. Compare that to 49 days-on average for VA loans. Like traditional loans, the cost of the home and other factors impact how long it will take you to close on your home.

With some exceptions, VA home loans are not one-time use options. You can continue to take advantage of the U.S. Department of Veterans Affairs program for additional homes after you’ve used it the first time. To get the process started, contact us at 757-877-2444.

Not finding what you’re looking for? See all our FAQs.

Get Started With Your VA Home Loan Today

Whether you’re ready to start the loan application process or you have some questions before proceeding, we’re here to help.

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