You served us.
Now let us serve you.
The VA Home Loan is the most powerful mortgage on the market. Get into your dream home with $0 down, no PMI, and the industry's lowest rates.
Why the VA Loan wins every time.
Compare these benefits to any other loan program.
Zero Down Payment
Keep your savings in the bank. You can purchase a home with 0% down payment, up to the county loan limit (and often beyond).
No Monthly PMI
Unlike FHA or Conventional loans with less than 20% down, VA loans have NO private mortgage insurance, saving you hundreds every month.
Limited Fees
The VA limits the types of closing costs you are allowed to pay, ensuring you aren't taken advantage of with "junk fees" or hidden charges.
Busting VA Loan Myths
MYTH #1
"VA Loans are too slow to close."
"The research says: Veterans fear slow underwriting will cause them to lose out on houses."
MYTH #2
"Sellers won't accept VA offers."
"The research says: Skeptics believe the VA appraisal is too strict."
THE TRUTH
Our average VA loan closes in under 30 days, often faster than conventional loans. With in-house processing and underwriting, we keep the file moving efficiently from start to finish.
THE TRUTH
VA loans account for roughly 8–12% of all mortgages each year. Working with an experienced VA loan specialist ensures the process is handled correctly, coordinated smoothly, and closed efficiently.
Don't have your COE?
We'll get it for you.
The Certificate of Eligibility (COE) is the document that proves you're eligible for the VA benefit. While other banks make you hunt for it, our portal connects directly to the VA to pull it for you in minutes.
Service Members: We just need your Statement of Service.
Veterans: We just need your DD-214.
Surviving Spouses: We'll help you navigate the paperwork.
Mortgage Payment Calculator
Estimate your monthly mortgage payment using home price, down payment, interest rate, and loan term. Get a quick principal and interest estimate for your home buying budget.
What Our Clients Are Saying
Don't just take our word for it. Hear from the families we've helped
secure their dream homes.
Frequently Asked Question
How much can I save by making extra mortgage payments?
The savings depend on your loan balance, interest rate, and how much extra you pay. For example, adding $200 per month to a $300,000 mortgage at 6.38% can save you over $72,000 in interest and cut roughly 6 years off a 30-year loan. Use the calculator above to see your exact savings.
Should I make extra mortgage payments or invest the money?
It depends on your financial situation. Extra mortgage payments offer a guaranteed return equal to your interest rate with zero risk. If your mortgage rate is 6% or higher, paying it down is a strong choice. However, if you have high-interest debt like credit cards, pay those off first. Consider maxing out tax-advantaged retirement accounts before making extra mortgage payments.
Is it better to pay extra monthly or make a lump sum payment?
Both approaches reduce your balance and save interest, but monthly extra payments typically work better for most people because they build a consistent habit and reduce your principal steadily throughout the year. A lump sum payment is effective if you receive a bonus or inheritance. The key factor is timing: the earlier you make extra payments, the more interest you save.
Do extra mortgage payments go toward the principal?
Yes, when you make an extra payment and specify it as a principal-only payment, the entire amount goes toward reducing your loan balance. This is different from your regular payment, which splits between principal and interest. Always confirm with your lender that extra payments are applied to principal, not future payments.
Are there penalties for paying off a mortgage early?
Most modern mortgages do not have prepayment penalties. FHA loans, VA loans, and loans from federally chartered credit unions prohibit prepayment penalties by law. However, some conventional loans may include a penalty during the first 3 to 5 years. Check your loan agreement or ask your lender before making large extra payments.
How do biweekly mortgage payments work?
Instead of making 12 monthly payments per year, you pay half your monthly amount every two weeks. Since there are 52 weeks in a year, this results in 26 half-payments, which equals 13 full monthly payments. That one extra payment per year can shave several years off your mortgage and save thousands in interest.
Your first home starts right here.
Our VA specialists guide you through the process,
from credit repair tips to finding the right
down-payment assistance programs.
MLO License Info: NMLS #1621958, NH Broker license #1621958MBRR, and MA Broker license #MB1621958, ME Broker License #1621958, FL Broker License #MBR4542, RI Broker License #20265029LB
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