Home / Loan Programs / VA Loans
The benefit you earned, handled with care.
VA loans offer 0% down, no monthly mortgage insurance and some of the lowest rates available. We make sure you keep every dollar of that advantage.
What a VA loan entails
Guaranteed by the Department of Veterans Affairs, VA loans are available to veterans, active-duty service members, National Guard and Reserve members, and eligible surviving spouses. The VA guarantee replaces mortgage insurance — which is why rates and monthly costs run so low.
We handle your Certificate of Eligibility, order the VA appraisal, and coordinate with agents who understand reflected timelines. Many of our advisors are veterans or military spouses themselves.
0% down payment
Buy with no down payment up to county limits — and reuse the benefit again and again.
No monthly MI
No private mortgage insurance, ever. A one-time funding fee applies (waived for many disabled veterans).
Flexible credit
No VA-mandated minimum score; most lenders approve from 580–620 with solid residual income.
IRRRL streamline
Refinance to a lower rate later with minimal paperwork through the Interest Rate Reduction loan.
Who is eligible?
- — 90+ days active duty in wartime or 181 in peacetime
- — 6 years in Guard/Reserves or 90 days under Title 32
- — Eligible surviving spouses of service members
Your path to closing
01
COE in hand
We pull your Certificate of Eligibility directly — usually same-day.
02
Pre-approval
Residual-income based approval that reflects how VA underwriting really works.
03
VA appraisal
Ordered immediately on accepted offer; Tidewater process protects your price.
04
Clear to close
Most VA purchases close in 21–25 days with no down-payment funds to source.
Yes. Once you sell or pay off a VA-financed home, entitlement is restored in full. Partial entitlement even lets you hold two VA loans at once in many markets.
A one-time fee (2.15% for first use with 0% down) that funds the program. It can be rolled into the loan, and veterans with service-connected disabilities are exempt entirely.
VA appraisals check minimum property requirements (safe, sound, sanitary). We pre-screen listings with your agent so repair surprises are rare — and sellers can contribute up to 4% in concessions.