VA Loans
The strongest loan product in the country, and the one most often left on the table by the people who earned it.
What it actually is
A VA loan is guaranteed by the Department of Veterans Affairs. That guarantee replaces the down payment and the mortgage insurance that every other program requires — which makes it, dollar for dollar, the best financing most borrowers will ever have access to.
The myths worth killing
“VA loans take forever.” They take exactly as long as a file that was assembled correctly. The delays people remember come from missing paperwork and appraisal issues, not from the program.
“Sellers won’t accept them.” Sellers accept strong offers. A VA offer with a real pre-approval and a lender who answers the phone is a strong offer.
“I used mine already.” Entitlement is frequently restorable, and in many cases can be used more than once at the same time. Worth checking before you assume otherwise.
What to bring
Your Certificate of Eligibility — and if you do not have it, that is one of the first things I will help you pull.