Guide to VA Home Loans

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Who Qualifies for VA Loans?

To be eligible for a VA loan, you or your spouse are required to meet the basic service requirements set out by the Department of Veterans Affairs (VA), and also have a valid Certificate of Eligibility (COE). On top of that, you must meet the mortgage lender’s income and credit requirements. Contact Point Mortgage of Miami today to learn about our VA loan income and credit requirements!

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Benefits of a VA Home Loan

VA loans help veterans, service people, and their spouses get competitive interest rates that don’t require a down payment or private mortgage insurance. Instead of having to pay 5%, 10%, or 20% down upfront, you pay 0% upfront with a VA loan.

There is also no mortgage insurance required for VA loans, they come with a government guarantee (which is why they come with such favorable terms), and they are easy to qualify for. If you think you qualify for a VA loan and would like to learn more, reach out to Point Mortgage to prequalify for one today!

Prequalify for a VA Loan

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Who Exactly is Eligible for a VA Home Loan?

  • Active-duty service members

  • Reservists

  • Members of the National Guard

  • Surviving spouses of veterans

  • Midshipmen of the U.S. Naval Academy

  • Cadets of the U.S. Military, Air Force, or Coast Guard Academies

  • Officers of the National Oceanic & Atmospheric Administration

The minimum service requirements for a VA loan are:

  • You have served at least 181 days of active duty during peacetime

  • You have served 90 days of active duty during wartime

  • You have served six years in the Reserves or National Guard

  • Your spouse was killed in the line of duty and you have not remarried

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How to Apply for a VA Loan

It starts by you reaching out to Point Mortgage of Miami and applying for a VA loan. We are a VA-loan approved lender that can help you obtain your Certificate of Eligibility and complete your application for the loan. Do you qualify for a VA loan and are ready to start the process? Get started today by getting in touch and getting prequalified for a VA home loan!

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