Use your VA benefits to get into your dream home today! Are you a veteran, member of the military or military spouse? You may qualify for a VA loan. VA Loans offer flexible options as either Fixed Rate or Adjustable Rate mortgages. You may qualify for fast approval and a hassle-free loan even with less than perfect credit. Refinance up to 100% of your home or buy a new home with no down payment and never pay monthly insurance (PMI)!

How VA Loans Work

• Purchase your home with as little as 0% down payment. Yes, you can buy your home and pay NOTHING at closing using a VA Loan.
• 30-, 25-, 20- and 15-year terms are all available with fixed rates.
• 5-year adjustable rate mortgage available.
• Jumbo VA loans available.
• VA Streamline Refinance with a reduced funding fee and flexible documentation requirements – available for veterans currently in VA loans.
• No monthly PMI (Private Mortgage Insurance).
• VA loans are governed by the U.S. Department of Veterans Affairs.
• Pay your mortgage off at any time without pre-payment penalties.

Qualification Requirements

• Available for active duty military, reservists, National Guard, veterans, and military spouses in some circumstances.
• Buy a home with no money down (primary home).
• Refinance up to 100% of your primary home’s value.

Have questions? Give us a call! One of our mortgage specialists would be happy to answer all of your questions and get you started with a great low rate today!

**Empire Home Loans, Inc. is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA or the Federal Government.