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.
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.
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.
Why Work With Us?
Fast Closing
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.
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.
More Loan Programs
Conventional
Secure your dream home with a conventional loan, offering stability and competitive rates—perfect for traditional homebuyers.
FHA
Start your homeownership journey with lower credit score requirements, low down payments, more forgiving guidelines for bankruptcy, and flexible credit requirements.
USDA
No downpayment? No problem. USDA loans offer zero down payment options, lower interest rates, and reduced mortgage insurance for rural buyers.
Jumbo
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.
