Home loans

VA
loans.

For eligible veterans, service members and surviving spouses.

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The program

A home loan earned through service.

A VA loan is a mortgage made by a private lender and backed by the U.S. Department of Veterans Affairs. It is for veterans, active-duty service members and some surviving spouses who meet the VA’s service requirements.

There are VA loans to buy a home, to lower the rate on an existing VA loan, and to take cash out. Vadim helps you get your Certificate of Eligibility and compares VA lenders for you.

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What to know

Four things to know about VA loans.

  1. 01

    No monthly mortgage insurance

    VA loans don’t carry private mortgage insurance.

  2. 02

    A one-time funding fee

    Most borrowers pay a VA funding fee, which can be added to the loan. Some veterans are exempt.

  3. 03

    Limits on closing costs

    VA rules cap some of the fees a borrower can be charged.

  4. 04

    Certificate of Eligibility

    Your eligibility is confirmed with a certificate from the VA. Vadim can help you request it.

Working with Vadim

One broker, from the first call to the keys.

  1. Talk it through

    A call about your plans, your numbers and your timeline.

  2. Apply once

    One application and one credit check, while Vadim looks at several lenders.

  3. Vadim shops the loan

    As a broker, he compares loans from multiple lenders and brings you the options.

  4. Close

    He stays with you through underwriting, the appraisal and closing.

Loan programs

Nine ways to buy or refinance a home.

Buying your first home, refinancing the one you have, or borrowing against it. Investing instead? See the investor loans.

For homebuyers

Buying or refinancing a home

Owner-occupied loans

Ask about home loans
09Programs
  1. ConventionalA standard mortgage that isn’t backed by the government.
  2. FHAInsured by the FHA, with flexible credit guidelines.
  3. VAFor eligible veterans, service members and surviving spouses.
  4. USDAFor eligible homes in rural and some suburban areas.
  5. JumboFor loan amounts above the conforming limit.
  6. RefinanceChange your rate or term, or take cash out.
  7. Second MortgageBorrow against your equity and keep your first mortgage.
  8. RenovationBuy or refinance and fund the renovation in one loan.
  9. Down Payment AssistancePrograms that can help cover your down payment.