VA

Get a loan that honors your service

Get the mortgage benefits you’ve earned with zero down payment and no private mortgage insurance.

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Made for those who serve our nation

VA loans are exclusively available to active duty service members, veterans, and surviving spouses. Made for those who have dedicated their lives to serving our country, VA loans offer benefits that traditional loans simply can’t match.

VA benefits

  • No down payment required so you can become a homeowner without years of saving
  • No private mortgage insurance means lower monthly payments compared to conventional loans
  • Competitive interest rates that often beat conventional loan rates
  • Limited closing costs with restrictions on what fees veterans can be charged
  • No prepayment penalties giving you the freedom to pay off your loan early
  • Assumable mortgage allowing another qualified veteran to take over your loan terms
  • Flexible credit requirements making homeownership possible even with less-than-perfect credit
  • No loan limits for full entitlement borrowers so you can purchase the home you deserve

Eligibility requirements

  • Served 90 consecutive days on active duty during wartime
  • Served 181 consecutive days on active duty during peacetime
  • Completed 6 years of service in the National Guard or Reserves
  • Are the spouse of a service member who died in the line of duty or from a service-related disability
  • Have a valid Certificate of Eligibility from the Department of Veterans Affairs
  • Meet FAM's credit score requirements with a minimum score of 620
  • Plan to use the property as your primary residence