VA LOANS
VA Loans help veterans, service members, and eligible families achieve homeownership with no down payment, no PMI, flexible qualifications, and competitive rates. At Homy Loans, we're proud to support those who've served by making this benefit accessible.
WHAT IS VA LOAN?
A VA loan is a mortgage designed specifically for veterans and service members. It is provided by approved private lenders like Homy Loans and is guaranteed by the federal government (the Department of Veterans Affairs). The primary benefit of a VA loan is the ability to purchase a home with no money down for eligible service members and veterans who meet qualifying income and credit requirements.
WHO IS ELIGIBLE FOR A VA LOAN?
To qualify for a VA Loan, a veteran must meet certain service requirements. Eligibility is typically open to: Veterans who have served a minimum number of days during wartime or peacetime. Service members who have served six years or more in the Reserves or National Guard. Active duty service members after serving for a minimum period. Spouses of a service member who was killed in the line of duty or died from a service-related disability.
- Veterans who have served a minimum number of days during wartime or peacetime.
- Service members who have served six years or more in the Reserves or National Guard.
- Active duty service members after serving for a minimum period.
- Spouses of a service member who was killed in the line of duty or died from a service-related disability.
VA LOAN OPTIONS
Whether you are looking to purchase a new home or refinance an existing mortgage, Homy Loans offers the full range of VA products to meet your financial needs.
Loan Type
- ✦VA Purchase Loan
- ✦VA IRRRL (Streamline Refinance)
- ✦VA Cash Out Loan
Purpose
- ✦Buying a primary residence.
- ✦Refinancing a current VA loan for a lower rate.
- ✦Refinancing to take cash out of your home's equity.
Key Feature
- ✦Up to 100% financing (zero down payment).
- ✦Fast, simple, with minimal or no out of pocket costs.
- ✦Access home equity for debt or expenses.
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Frequently Asked Questions
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