Your Dream Home Awaits: VA Home Loan Experts

A VA Home Loan is a mortgage option available to eligible U.S. veterans, active-duty service members, and surviving spouses. It is guaranteed by the U.S. Department of Veterans Affairs (VA) and offers significant benefits like no down payment requirements, no private mortgage insurance (PMI), and competitive interest rates. It's designed to help those who served our country achieve homeownership.

Eligibility for a VA Home Loan is typically determined by your service history. Generally, veterans, active-duty service members, and certain surviving spouses who meet specific service requirements are eligible. The first step is often obtaining a Certificate of Eligibility (COE) from the VA, which verifies your service and entitlement. Our team can help you understand these requirements and assist with the COE process.

The Certificate of Eligibility (COE) is a document from the VA that proves your eligibility for a VA home loan benefit. It confirms to lenders that you meet the service requirements for the loan. You can obtain a COE online through the VA's eBenefits portal, by mail, or we can assist you in retrieving it as part of our service.

One of the most significant advantages of a VA Home Loan is that it often requires no down payment. This means you can finance 100% of the home's value, making homeownership more accessible for many service members and veterans. However, if desired, a down payment can be made.

Yes, VA loans can be used for more than just purchasing existing homes. They can also be utilized for new construction, certain home improvement projects through VA renovation loans, and even for energy-efficient upgrades. We can help you explore these options to ensure your home meets your needs.

While VA Home Loans are our specialty, we offer a comprehensive range of mortgage services to meet diverse needs. This includes Jumbo loans for higher-value properties, renovation financing, and Home Equity Lines of Credit (HELOCs). Our goal is to be your trusted partner for all your home financing needs.

Yes, while we are based in Jacksonville, NC, we proudly serve the surrounding communities. Our service areas include Morehead City, Beaufort, Cherry Point, and other nearby regions. If you're in the eastern North Carolina area, don't hesitate to reach out to discuss your home financing options.

Starting your VA Home Loan journey with us is easy! Simply contact us through our website, give us a call, or visit our office. We'll schedule a consultation to discuss your specific needs, assess your eligibility, and walk you through every step of the process, from pre-approval to closing.

While the exact documents can vary, generally you'll need your Certificate of Eligibility (COE), proof of income (pay stubs, W-2s), bank statements, and information about your credit history. We'll provide you with a detailed checklist during your initial consultation to ensure a smooth application process. Transparency and preparation are key!

While VA loans eliminate PMI, there is a one-time VA funding fee. This fee helps offset the cost of the VA home loan program to taxpayers and reduces the loan's cost to veterans. The amount of the fee varies based on your service type, loan amount, and whether you've used your VA loan benefit before. Certain veterans, such as those receiving VA compensation for service-connected disabilities, may be exempt from this fee. We'll explain all fees clearly during your application.