We are honored to help our country’s service members finance their dream home. We offer fantastic VA loans at low rates to those who qualify.
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What Is A VA Loan?
VA Loans are guaranteed by the Veterans Administration. These loans are available to military service members and their families. Little to no down payment is required. Those that qualify can get up to 100% financing.
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Top six reasons
to get a VA loan
No Down Payment
A VA loan does not require a down payment
Lower Interest Rates
Interest rates for VA loans are lower than for other mortgage products.
Flexible Credit Guidelines
Due to the fact that they are guaranteed by the Department of Veterans Affairs, VA Loans have more lenient credit and income requirements than conventional mortgages.
No Maximum Loan Limit
High loan amount VA loans require a down payment but no limit to the amount you can borrower.
VA Loan Qualification Requirements
Not every service member can qualify for a VA loan. Below are the basic eligibility requirements:
Length of Service
In order to be eligible for a VA Loan, you need to have served in the military for a minimum amount of time.
Honorable Discharge
In order to be eligible for a VA Loan you must have been honorably discharged. We request a Certificate of Eligibility from the Department of Veterans Affairs when we process your application.
Monthly Expenses
Most loans only look at recurring monthly debt when approving you for a loan, but VA underwriters make sure that you have sufficient remaining monthly income after expenses. This is for your benefit to assure you can afford your loan.
Home Price
VA has loan amount limits based on the county in which the property is located. You may have to make a down payment, which may still be less than on a conventional or FHA loan.
A Customized Loan
for Your Life Path
At Real Talk Mortgage, we believe in personalized banking. We use state of the art technology to make sure that you are advised, included, and supported through every step of the loan process. Most importantly, we take the time to know you and craft products that are tailored to you and your individual life path. Watch the video below to learn more about our unique approach to the loan process.
