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VA Home Loans

Designed for our nation's heroes, VA home loans offer a streamlined path to homeownership. With benefits like zero down payments and flexible credit requirements, these loans were built to turn your homeownership dreams into reality.

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Proudly Serving Those Who Served Us.

Why Get a VA Home Loan?

VA home loans provide a clear path to homeownership. Whether you're a veteran, active-duty service member, or a qualified family member, VA mortgages honor your service by making homeownership more accessible and affordable.

Is a VA Home Loan Right For You?

The first step in securing a VA home loan is determining if you meet the basic requirements. You may be eligible if you have:

Completed 90 consecutive days of active service during wartime.
Completed 181 days of active service during peacetime.
Accumulated 6 years of service in the National Guard or Reserves.
Experienced the loss of a service member spouse in the line of duty or due to a service-related disability.

VA Loan Benefits

Competitive Interest Rates icon
Competitive Interest Rates
VA home loans offer competitive interest rates compared to conventional loans, potentially reducing your long-term borrowing costs.
No Down Payment Required icon
No Down Payment Required
One of the most significant advantages of VA loans is that they require no down payment, making homeownership more accessible.
No Upfront Mortgage Insurance icon
No Upfront Mortgage Insurance
VA mortgages do not demand costly PMI, resulting in lower monthly mortgage payments and potential long-term savings.
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Cancellation of PMI
VA loans have more lenient credit score requirements, allowing borrowers with varying credit histories to qualify for favorable loan terms.

VA Loan Eligibility

Wondering if VA mortgages are right for you? Explore VA loan eligibility requirements:

  • Eligible Service History: VA loans are designed for veterans, active-duty service members, National Guard and Reserve members, and certain eligible family members.
  • Certificate of Eligibility (COE): To secure VA mortgages, you must obtain a COE from the VA, which confirms your eligibility.
  • Credit Score: Borrowers should have a score of at least 620. However, lower scores may still be considered, typically at a higher interest rate.
  • Debt-to-Income (DTI) Ratio: Having a lower DTI ratio (ideally below 41%) can increase your chances of loan approval and more favorable terms.

VA Loan Applications: Our Process

Wondering what to expect when you apply? It all begins with a straightforward application, where we collect details about your income, employment history, and existing debts. Next, we assess this information to evaluate your financial stability and creditworthiness. From here, you’ll be asked to provide additional documentation, such as pay stubs and tax returns.

Rest assured, we're here to assist you at every step, keeping everything seamless, transparent, and stress-free.

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Master Your VA Mortgage: VA Loan Calculator

In addition to jump-starting your VA loan application with our checklist, you can take another step forward by using our free VA loan calculator. This user-friendly tool considers your loan amount, interest rate, and loan term, making it easier to plan your finances and make informed decisions for your home purchase.

Our Team

Meet the dedicated professionals who will guide you to the doorstep of your dream home. Our team seamlessly blends industry knowledge with personalized customer service to ensure a smooth and supportive homebuying experience. With us, you are more than just a client—you're a valued family member.

Meet the Team
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Here’s Why We Do What We Do

I had a great overall experience with Eagle Home Financial. They were extremely knowledgeable and made the entire mortgage process very quick and easy. Any large purchase can be overwhelming but they were there to promptly answer any and all questions. I would highly recommend Eagle Home to any friends or family.

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Ricky Gundrum
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Why Work With Us?

Fast Closing

Fast Closing

Complete your mortgage process in as little as three weeks for a faster home-buying experience.

Expertise at Every Step

Expertise at Every Step

Receive personalized advice from experienced mortgage experts who understand your needs and treat you like family.

Competitive Rates

Competitive Rates

Gain access to the most competitive rates in the market while lowering your long-term mortgage expenses.

Explore Our Resources

Looking for simple answers about the mortgage process? Our resources will help. Covering everything from applications to credit requirements, closing costs, and rates, you’ll find clear, easy-to-understand answers to common mortgage questions here.


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Your Service Rewarded.

At Eagle Home Financial, we believe everyone deserves a clear path to homeownership—especially our veterans. That's why our team specializes in VA home loans, giving eligible borrowers access to exclusive benefits that streamline the lending process.
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