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.
Frequently Asked Question
Gather these documents to speed up your
pre-approval process.
What is the minimum credit score for a conventional loan?
There is no standard minimum credit score set by Fannie Mae or Freddie Mac. Approval is based on the full loan profile, and some borrowers may qualify without a traditional credit score.
How much down payment is required for a conventional loan?
Conventional loans can require as little as 3% down for qualified first-time buyers. Repeat buyers usually put down 5% to 20%, depending on the loan structure and financial profile.
Does a conventional loan require private mortgage insurance (PMI)?
Yes, if you put down less than 20%, PMI is required. The good news is that PMI can be removed once you reach 20% equity in your home, lowering your monthly payment.
Can I use a conventional loan for an investment property?
Yes. Conventional loans can be used for primary residences, second homes, and investment properties (1–4 units). FHA loans, by contrast, are limited to primary residences only.
How does a conventional loan compare to an FHA loan?
Conventional loans are typically better for borrowers with strong credit and lower debt. They often have lower lifetime costs and allow PMI removal. FHA loans may be more suitable for borrowers with lower credit scores or smaller down payments.
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 Copyright Nextgen Mortgage Inc. All Rights Are Reserved
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