VA

VA Loans

Who is this loan product for? VA loans are designed for eligible U.S. veterans, active-duty service members, National Guard, Reservists, and surviving spouses. They are one of the most powerful home financing options available, offering no down payment, no monthly mortgage insurance, and competitive interest rates – making homeownership more affordable for those who have served our country.

• Minimum FICO: 580 (lender overlays may apply)
• Down Payment Minimum: 0%
• Max Loan-To-Value: 100%
• Max Loan Amount: $806,500 (Washington County, Tennessee – follows conforming limits, higher in some counties) 
• Jumbo Loans Available up to $4,000,000
• Fixed & Adjustable Mortgage Rate Options Available
  
• Loan Term Options: 10–30 Year
  
• No Monthly PMI/MIP Required
  
• One-Time VA Funding Fee Applies (may be waived for veterans with qualifying disabilities)
• Seller Paid Closing Costs: Applicable and varies on down payment %

As independent mortgage brokers, we help veterans maximize their VA benefits by comparing multiple lenders, navigating the Certificate of Eligibility process, and structuring your loan so you save the most money long term.

👉 Ready to buy your home with no down payment? Contact us today for a free VA pre-approval.