The VA Loan Program has many advantages that make it one of the most appealing paths to homeownership — and this great benefit is reserved exclusively to those who bravely served our country and select military spouses.
When combined, the benefits of the VA mortgage allow service members and veterans to take advantage of substantial cost savings under qualification requirements designed specifically for members of the military and their unique needs.
Lower Payments
Competitive interest rates and no private mortgage insurance mean lower monthly payments.
No Down Payment
The VA Home Mortgage is one of the only home loans available today with no down payment required.
Easier to Qualify
The VA Loan Program provides homeownership opportunities for millions who wouldn’t otherwise qualify for conventional financing.
First-Time Buyers
No down payment and relaxed credit standards means loans from the VA Program are especially helpful for first-time homebuyers.
Veteran Mortgage Rates
With low interest rates and the advantages of the VA Loan, you can capitalize on a buyer’s market and join the millions of other veterans using their hard-earned benefit.
Although a number of factors influence your final rate, the government backs all VA Loans, ensuring lenders can offer competitively low interest rates.
Requirements and Qualifications
Military members – To be eligible for a VA loan, you must be an active-duty or past member of the armed forces with at least:
- 90 days of consecutive service during wartime, or
- 181 days of service during peacetime, or
- 6 years of service in the National Guard or reserves.
- Surviving Spouses – Spouses of service members who died in the line of duty or as the result of a service-related disability.
You will need a Certificate of Eligibility from the VA to show that you meet these requirements. Your mortgage loan originator can help you obtain this certificate.
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REVIEWS
- zuser20171209062055191Jerod Lee was very awesome, the best realtor my husband and I have ever had . My husband sold our 3rd house for almost 21 yrs and he was very professional, friendly, honest, personable and not a fast talker or a game player which my husband and I have had before, he was a fresh of breath air.Jerod made selling our house fast and very easy for us since we have not lived in Idaho for 8 years and was using our house in Boise as a 2 nd home,I highly recommend Jerod as a realtor and when my husband and I do move back to Idaho., I will use Jerod once again,
- frankk7Knowledgeable, responsive, and kind -- Jerod helped us quickly navigate a challenging seller's market in downtown Boise to purchase a condo that hit each of our needs (and most of our wants).Jerod suggested offering a quick close to help bring the seller closer to our preferred price (and it worked!), and his team delivered on getting an inspection done within a few days, organizing Title, utilities, documents, etc... they were so on top of each of the details, in such a short period. Jerod responded to early morning texts and late night calls, and we appreciated his (and team's) expertise at each step.Along with the above, Jerod is wonderful to work with. He was kind and attentive to our young children, friendly and respectful to us, and expecially thoughtful to our COVID concerns. His team left us the wonderful surprise of an Idaho gift basked when we moved in, and Jerod treated us to a celebratory lunch at a cafe down the block. We'll look forward to staying in touch, even when not buying/selling a home.
- YousefNasri8I could not have asked for a better home buying experience. As a first time buyer, I was very nervous and not the most knowledgeable on the process. Jerod is extremely transparent, knowledgeable and a delight to work with. He is communicative in all aspects and will explain anything you want to know about the process. He made my home purchase a breeze and I will gladly work with him again. I highly recommend anybody to work with Jerod for their real estate needs. True professional.