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What Is a VA Home Purchase Loan?

If you're active military personnel or a veteran, a VA home loan can make purchasing a home more accessible and affordable. With exclusive benefits designed to express gratitude for your service, you could save big on your mortgage.

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Apply for a VA Loan today!

Getting started is easy! Our online application streamlines the process from start to finish. Submit documents and get updates on the status of your loan, all without leaving the comfort of your own home. Prefer to apply over the phone? Give us a call at 800-353-4449.


Benefits of a VA Purchase Loan

You’ve served and now it's your chance to experience the freedom of homeownership. With a VA purchase loan, you'll get to take advantage of several benefits, including:

  • No down payment required: While most mortgages require a minimum of 20% down payment, with a VA loan, you won't have any down payment.
  • No mortgage insurance costs: Most mortgages would require additional insurance if you were putting down less than 20%, VA loans are government-backed, which helps you avoid paying PMI.
  • More flexible credit and income requirements: Compared to conventional mortgages, VA loans are more accessible to those with less-than-perfect credit scores or lower income levels.
  • Low fixed rates: VA loans offer some of the lowest interest rates on the market, making it possible to save each month.


Who Qualifies for a VA Home Purchase Loan?

If you're an active military member or veteran, you may qualify for a VA home purchase loan. Eligibility depends on a few different factors, such as the length of time you've served in active duty service. Spouses of a military service member who died in the line of duty or after suffering from a service-related disability are also eligible for this loan.

Along with military-related qualifications, other factors, like your debt-to-income ratio, will be taken into consideration when determining how much you can borrow.


Why Choose Mortgage Center?

Mortgage Center has been in business since 1990, helping individuals achieve home ownership by providing exclusive loan products and lower rates.

Our team of more than 100 dedicated mortgage experts is here to collaborate with you to ensure you have a memorable experience. While helping you secure a loan that meets your financial needs is our goal, we're also here to service all mortgages for the life of the loan.


Learn More About Our VA Home Purchase Loan Rates

Interested in learning more about our VA home purchase loans? We can help you get your application started today. Either fill out our online application or give us a call at 800-353-4449 to get pre-qualified.

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Great for first-time homebuyers who need a low down payment or those with less than perfect credit.

USDA Rural Development

Allows you to put no money down when you’re buying a home in a rural area.

Home Renovation Loan

Allows you to combine home improvements with your purchase so you don't need to take out two loans.


Perfect if you’re looking to have your home built.