VA Loans

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VA Loans

VA loans are mortgage loans that are guaranteed by the U.S. Department of Veterans Affairs (VA) and are designed to help eligible active-duty military personnel, veterans, and their surviving spouses become homeowners. The VA loan program offers several benefits compared to conventional mortgages, including no down payment requirement, lower interest rates, and no mortgage insurance premium. However, VA loans also have some restrictions and requirements, such as a VA funding fee, which can vary based on the type of loan and the borrower’s military status. To be eligible for a VA loan, the borrower must meet certain service requirements and be approved by the VA.

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