What is a VA Home Loan?
A VA loan is an exclusive benefit that helps active military, veterans or eligible family members get a mortgage and purchase a new home. Backed by the U.S. Department of Veterans Affairs (VA), a VA loan enables VA-approved lenders like Freedom Mortgage, to offer flexible loans with special benefits to help those who served or are serving realize the American dream of homeownership.
VA Loan Benefits
A VA loan is a great choice for veterans and active-duty military personnel to afford a home. Here are some of the benefits:
- 0% down
- No Private Mortgage Insurance Since VA loans are government backed, PMI is not necessary
- Lower rates
- Only for the purchase of a primary property
- Expanded options for lower credit scores
- Less stringent qualification requirements which means you may qualify even with a bankruptcy or foreclosure
Message from Freedom Mortgage Team

David L.
Freedom Mortgage Loan Advisor
Freedom learns from their veteran employees and truly values our veteran customers. That's how we become a top VA leader.
VA Loan Eligibility Options
To be eligible for a VA loan, you must meet at least one of the following criteria as determined by the U.S. Department of Veterans Affairs.
- 90
consecutive days of
or
service during war time - 181
consecutive days of
or
service during peacetime - 6
years of service in the
or
Reserves or National Guard -
Surviving
spouse of a veteran
You must also meet credit and income requirements and have a valid Certificate of Eligibility (COE), which is used to verify your length of service. Freedom Mortgage can help you check eligibility and work with you to obtain your COE.
The VA Home Buying Process
Congratulations! You have decided to explore homeownership and we're here to guide you through every step to help make your dream a reality.
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