We believe it’s important to help veterans, military service members, and their surviving spouses realize the dream of home ownership can be achieved. We’re honored to assist you through the process of obtaining a VA mortgage or VA home loan.

Whether you are looking for a home within a city, rural district, near a military base, or in a location elsewhere in America, we can help you understand and explore your financing options and find the home loan that’s right for you.

The key aspect of the VA loans in New York and Pennsylvania is that it allows you to purchase a home without a down payment and without mortgage insurance. VA loan (Veterans Affairs) is a great home financing option for an eligible veteran, surviving spouse, or active military personnel.

Popular program for several reasons:

If you are an eligible military veteran or active duty personal, you are required to pay a funding fee to the VA ranging from 0 to 3.15% but that funding fee can also be financed. For most purchasers the funding fee for first time use is around 2.15%.

Debt to income ratios can be a little tighter with a maximum of 41% but is by far better option than FHA if qualified. Although it does not designate minimum credit score requirements, most banks will require a minimum score of 620.

Certificate of Eligibility (COE) & Loan Limits:

To learn more about VA loans including loan limits, requirements, benefits and how to get veterans Certificate of Eligibility for a home loan (COE) visit the U.S. Department of Veterans Affairs official website: www.va.gov