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.
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:
VA Loan Benefits
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.
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.
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.
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.
Brennan Pitcher helped my husband and me buy our first house! He was extremely knowledgeable and responsive. He helped us through the mortgage process step by step, and we’d highly recommend working with him. Brennan treats you like family.
One of the key things I look for in other real estate industry professionals is what priority they put on the client. Doron goes above and beyond to put his clients needs first. Making sure they are well informed and confident in the home loan process they are going through. Doron is fanatic at communication and follow up. I'm grateful to have someone like Doron and his team at Eagle Home Financial to work with!
Justin Pease with Eagle Home is great to work with. He kept me updated from start to finish and made it a seamless process. I would highly recommend working with Justin and Eagle Home Financial for a home purchase or refi.
Doron is competent, knowledgeable and really cares about his clients I would recommend him as one of the best to help you with your mortgage.
I have known and worked with Doron for 20 years, and as an underwriter I can tell you he has superior knowledge in conventional, FHA and VA products. He always has his clients best interest in mind. He is someone I trust to refer my family and friends to.
Why Work With Us?
Complete your mortgage process in as little as three weeks for a faster home-buying experience.
Expertise at Every Step
Receive personalized advice from experienced mortgage experts who understand your needs and treat you like family.
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.
More Loan Programs
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Our jumbo loans feature competitive rates, exclude student loan debt from DTI calculations, and are tailored to meet the unique demands of high-net-worth buyers.