VA Loan Eligibility

- VA Streamline Refinance
  
  VA Streamline also known as (IRRRL) is setup to benefit veterans who would like to avoid getting appraisal and going through income verification to qualify for a rate reduction on an existing VA residence.
  
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- Purchase
  
  Honorably discharged veterans have the ability to use their benefits to receive a VA home loan. VA rates have been some of the most competitive rates available requiring no down payment, which makes it a great option for all military families.
  
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- VA Hybrid
  
  The VA Hybrid loan starts with an initial fixed period that allows the veteran the opportunity to take advantage of the lowest rates in the market. The hybrid program, being tied to the U.S. treasury index, along with the 1% rate caps per year, protect veterans over the life of the loan.
  
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Veterans who meet the following criteria are eligible for a VA home loan:

90 Consecutive Days of Active Service During Wartime: Veterans who have served at least 90 consecutive days of active duty during periods of war.
181 Days of Active Service During Peacetime: Veterans who have completed at least 181 days of active duty service during peacetime.
6 Years of Service in the National Guard or Reserves: Individuals who have served at least 6 years in the National Guard or Reserves.
Surviving Spouse of a Service Member: Spouses of service members who died in the line of duty or from a service-related disability are eligible.

Additionally, veterans with a service-connected disability or those who have received a discharge under conditions other than dishonorable may qualify. To verify your eligibility, consult with a VA representative who can help determine your specific qualifications and guide you through the process.

VA Streamline Refinance

Purchase

VA Hybrid