VA Mortgage Loan Programs

VA mortgages are backed by the Department of Veterans Affairs, for eligible active duty military members and veterans, offering favorable terms including no down payment requirement.
VA Mortgage Loan Highlights
A Salute to Our Veterans: VA Mortgage Loans Make Homeownership Possible
A Salute to Our Veterans: VA Mortgage Loans Make Homeownership Possible
  • No Down Payment: VA loans do not require a down payment, making it easier for eligible borrowers to become homeowners.
  • No Mortgage Insurance: VA loans do not require mortgage insurance, which can save eligible borrowers hundreds of dollars per month compared to other loan types. Be sure to compare the APR when comparing loans so that all costs are included!
  • Loan Limits: VA loan limits vary based on the location and type of property, but are generally higher compared to FHA loans. Jumbo VA loans are also available up to $3 Million loan amount!
  • Credit Score: VA loans have a more flexible credit score requirement compared to conventional loans, with some lenders accepting scores as low as 500.
  • Loan Terms: VA loans are available with 15- or 30-year terms, although other options may be available.
  • Streamlined Underwriting: VA loans have a streamlined underwriting process, which allows for quicker and easier approval compared to conventional loans.

VA Loans for eligible active duty military and eligible Veterans have amazing benefits including as low as 0% down payments and no mortgage insurance! If you are a veteran apply now to take advantage of some of the best loan programs available!

Apply via the form below to view all our options get the best rates possible!

VA Loan Program Terms:

  • Up to 100% LTV Purchase
  • Up to 100% LTV Cash Out Refinance or IRRRL
  • Rehab & One Time Close Construction Available
  • 500 Min FICO
  • $75,000 Minimum Loan
  • Certificate of Eligibility Required
  • 1-4 Units, Condos, PUDS & Manufactured Homes Eligible

Start VA Loan Application

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Frequently Asked Questions for VA Loans

About The Mortgage Calculator
The Mortgage Calculator

The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as thousands of Non-QM mortgage loan program variations using alternative income documentation! 

Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!

Our team of over 450 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more!

Learn More About The Mortgage Calculator