Loan Program
VA Loans
A benefit earned by eligible service members, veterans, and qualified surviving spouses.
Who this program may fit
Eligible active-duty service members, veterans, and qualifying surviving spouses purchasing or refinancing a primary residence.
Common uses
- Primary residence purchase
- VA refinance (IRRRL or cash-out, subject to eligibility)
Key considerations
- A Certificate of Eligibility (COE) is required
- No down payment may be required for eligible borrowers subject to loan limits and entitlement
- VA funding fee applies unless exempt
- Property must meet VA appraisal guidelines
Documents commonly requested
- Certificate of Eligibility (COE)
- DD-214 or active-duty statement
- Recent pay stubs and W-2s
- Federal tax returns (typically 2 years)
The process
- 1Confirm VA eligibility and obtain COE
- 2Compare VA options and entitlement use
- 3Complete a secure application
- 4VA appraisal and underwriting
- 5Clear to close and closing
Frequently asked questions
Ready to compare your options?
Schedule a strategy call tailored to your goals, income, and timeline.
This is not a commitment to lend. All loans are subject to credit approval, property approval, program guidelines, and applicable terms. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.
Angel Taipale, NMLS #1736690 — Bright Horizon Lending Inc., NMLS #2565670. Verify on NMLS Consumer Access