/VA Loans
VA Loans 2018-01-23T01:12:22+00:00

Veterans Loans

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

VA Loan Basics


  • 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