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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.

 

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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 on VA loans
  • Competitive 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

Freedom Mortgage - Loan advisor sitting on steps inside house

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.

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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
    service during war time*

    or
  • 181

    consecutive days of
    service during peacetime*

    or
  • 6

    years of service in the
    Reserves or National Guard

    or
  • Surviving
    spouse of a veteran
    in some circumstances.

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

* Or 24 continuous months if your service began in September 1980 or later.

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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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What Our Customers Say

Check out the reviews from some of our customers.

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Contact Us

Get started today by getting a personalized evaluation of your home loan options from Freedom Mortgage.

877-220-5533