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VA Loan
VA loans provide eligible veterans, active-duty service members, and qualifying military families with one of the most powerful financing options available. With no down payment requirement and no monthly mortgage insurance, VA financing creates a more affordable path to homeownership for those who have served.
A VA loan is a government-backed mortgage program offered through the Department of Veterans Affairs for eligible military borrowers. These loans are designed to provide long-term affordability and easier access to home financing for veterans and service members.
Premier Plus Lending helps guide borrowers through the VA process clearly and efficiently, from eligibility to closing.
No down payment required for qualified borrowers
No monthly mortgage insurance (PMI)
Competitive interest rates
Flexible credit and qualification guidelines
Available for primary residences only
Frequently Asked Questions
Do VA loans really require no down payment?
Yes. Qualified borrowers can often finance 100% of the purchase price without a down payment.
What is the VA funding fee?
The VA funding fee is a one-time fee that helps support the program. In many cases, it can be rolled into the loan amount.
Can I use a VA loan more than once?
Yes. Many eligible borrowers can reuse their VA benefits multiple times, depending on remaining entitlement and prior loan usage.
Are VA loans only for veterans?
No. Active-duty service members, certain reservists, National Guard members, and some surviving spouses may also qualify.
Does a VA loan take longer to close?
Not necessarily. VA loans can close on timelines similar to conventional and FHA loans when handled properly.
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