VA Loans
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VA Advice You Won’t Hear Everyday
What you qualify for and what you can afford are 2 different things. Let us help you understand both before you commit.
Just because you can borrow 100% doesn’t mean you should. Nothing beats a 15 minute phone call to understand your options.
There’s a good chance you’ll be gone (on duty) for some or most of the process, so email will be important to staying informed throughout the loan process.
Collect your documents early on so you don’t get asked for them more than once.
Get as many details nailed down ahead of time as you can, especially the monthly payment and closing costs. The last thing you want is a surprise at the last minute when you’re out of town.
You CAN get everything the online lenders promise from a local lender
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VA Loan Basics
Eligibility
- Active duty military generally qualify after 6 months of service
- Reservists & National Guard must wait 6 years to apply, but if they are called to active duty before that are eligible after 180 days of service
- Spouses of deceased military members may be eligible
- You will need an certificate of eligibility, but it is NOT required to start the process
Other VA Program Features:
- 0% down payment is available, but not required
- No mortgage insurance is required
- There is a one time funding fee which varies depending on the down payment
- Flexible credit guidelines
- Payment assistance is available if you happen to miss payments
- Refinancing is allowed
Areas We Serve
Arlington
Bartlett
Collierville
Eads
Germantown
Lakeland
Memphis
Millington
Tipton County:
Atoka
Brighton
Fayette County:
Oakland
Somerville
Decatur County:
Decaturville
Parsons
- Haywood County:
Brownsville
- Haywood County:
Brownsville
- Lexington County:
Chesterfield
Lexington
- Madison County:
Jackson
- Gibson County:
Dyer
Humboldt
Medina
Milan
Trenton
Yorkville
- Mississippi:
Olive Branch
Southaven