Purchase Products

VA Loans

This mortgage product is guaranteed by the United States Department of Veterans Affairs (VA) for eligible military veterans and active service men and woman of the armed forces. This guarantee allows lenders to provide easier qualifying guidelines with low down payment options.

Benefits & Features

  • No Down payment required.
  • Loan Amount based on DD-214, Certificate of Eligibility and Location
  • Expanded qualifying and underwriting ratios
  • No mortgage insurance or reserves required.


  • Minimum Fico Credit Scorestarting at 580
  • No Bankruptcy Chapter 7 or 11 in the last 2 years from discharge or dismissal date
  • No Bankruptcy Chapter 13 in the last year from discharge date with timely repayment
  • No Foreclosure, Short Sale, or Deed-in-lieu in the last 2 years


The loan process many times boils down to what you can afford. A good way to check your potential finances is to utilize a monthly payment calculator such as the one found here with Ready Mortgage Lenders.

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