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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. Freedom Mortgage is the #1 VA Lender in the USA according to Inside Mortgage Finance, January to September 2020.

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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
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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.

Reviews and comments (i) have been submitted by customers voluntarily, (ii) are solely the views of such customers, and (iii) have been screened by Freedom Mortgage Corporation prior to publication in accordance with our guidelines. Customers were not compensated for their reviews/comments but were informed that the submittals may be used in Freedom Mortgage Corporation advertising. Customer experiences are not meant to suggest future performance and may not be representative of your experience.

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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