A VA Loan is a mortgage option backed by the U.S. Department of Veterans Affairs, designed to help eligible veterans, active-duty service members, and surviving spouses buy a home with no down payment, no PMI, and competitive interest rates.
You may qualify if you are:
An active-duty service member
A veteran with a qualifying discharge
A member of the National Guard or Reserves
A surviving spouse of a service member who died in the line of duty or from a service-connected disability
Don’t worry—if you're unsure, I can help you check your eligibility.
Yes! Your BAH can be used to cover your monthly mortgage payments—which means instead of paying rent, you could be building equity in a home of your own. I help military families all the time turn their BAH into long-term wealth.
Nope. VA Loans require zero down payment, which makes homeownership much more accessible—especially for first-time buyers and military families moving frequently.
While the VA doesn’t set a strict credit score minimum, most lenders prefer a score of 580 or higher. Don’t let credit concerns stop you from reaching out—I’ll walk you through your options.
Yes! Many people don’t realize that VA Loan benefits are reusable. You can use it again as long as your entitlement is restored. I can help you understand how it works, especially if you’re PCS-ing or upgrading to a new home.
The VA appraisal ensures the home is safe, structurally sound, and sanitary. It also verifies the fair market value. This step protects both you and the lender, making sure the property meets VA standards.
You may still be able to buy it with a down payment on the difference, or through a partial entitlement. I’ll break this down in simple terms and guide you through your best options.
Start by getting your Certificate of Eligibility (COE) and getting pre-approved. Don’t worry—I’ll help you with both. Then, we’ll find the perfect home and walk you through every step of the process.
That depends on your goals—but in many cases, using your BAH to buy instead of rent means building equity, gaining tax benefits, and creating long-term financial stability. Let’s talk about your situation and whether buying makes sense for you right now.
Let’s chat one-on-one. I’m here to simplify the process, serve with integrity, and help you make a smart, confident move.