As a benefit of your service, the Department of Veterans Affairs offers unique resources to help those with military experience purchase a home with a low or zero down payment. VA Loans offer flexible options as either Fixed Rate or Adjustable Rate mortgages.
What is a VA Loan?
A VA Loan is a type of home loan that is guaranteed by the US Department of Veteran Affairs. It is designed to help eligible Veterans, active-duty service members, and surviving spouses buy, build, or refinance a home.Â
There’s a lot to think about when buying a house – and it’s normal to have questions, especially if you are a first time home buyer.
Maybe you want to change your term or lower your payment or payoff your loan faster. A rate and term mortgage could be your key to both.
Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.
Frequently Asked Questions
To qualify for a VA loan, you have to meet one or more of the following:
- You served 90 consecutive days of active service during wartime
- You served 180 days of active service during peacetime
- You have 6 years of service in the National Guard or Reserve, or served 90 days under Title 10 or Title 32 orders
- You are a spouse of a service member who died while serving or due to a service-related disability
In general, a score of 580 or higher is needed for a VA Loan. Scores as low as 500 are acceptable with a few extra requirements. Â
If you have full VA entitlement, there are no limits or maximum borrowing caps. Â
VA Loans offer no down payment loans without mortgage insurance at competitive rates.
You can buy multiple houses using a VA loan, the entitlement amount charged/restored to each loan determines if a down payment is needed on the additional properties.
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We have the experience, the social track record, and access to the right resources to get loans done.
Ready to Buy or Refinance?
Take Our 60 Second Smart Homebuyer Quiz To Find Out How Much You May Qualify For
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Let's Find a Loan That's Right For You
Whether you are buying a new home, getting cash from your home’s equity, seeking a more affordable payment, or want to pay off your home loan sooner, our mortgage professionals explain your options simply and clearly — and offer you competitive rates and terms to help you save.
Our mission is to help give you the smartest path for homeownership, regardless of your starting point.
Dream it, Mortgage, and Make It Real
Loan programs, along with 100% financing options from Buckhead Home Loans aimed to make homeownership achievable. Â
Experience Homeownership with Ease
Personalized, low-pressure, action-oriented, focused on building trust while guiding clients toward the next step
1. Complete Your Application
Applicants can start online or over the phone to determine affordability.
2. Become a Certified Home Buyer
Once the loan application is received, your loan officer will review your loan options. Â
3. Time for Processing
A processor verifies information, orders the appraisal, title report, and homeowners insurance.Â
4. Closing on Your New Home
Once the loan is cleared to close, the loan documents are sent to the title company for signing.Â