VA Loans
Exclusive mortgage benefits for veterans, active-duty service members, and eligible surviving spouses. You served our country — let us help you achieve the dream of homeownership with the benefits you've earned.
Call (707) 760-9521What is a VA Loan?
A VA loan is a mortgage loan backed by the U.S. Department of Veterans Affairs (VA). These loans are available to eligible veterans, active-duty service members, National Guard and Reserve members, and surviving spouses. Because the VA guarantees a portion of the loan, lenders can offer exceptional terms that are simply not available with other loan types.
VA loans are widely considered the best mortgage benefit available to those who qualify. With no down payment requirement, no private mortgage insurance, and competitive interest rates, a VA loan can save you tens of thousands of dollars over the life of your loan.
Key Features & Benefits
VA loans offer unmatched benefits for those who qualify.
$0 Down Payment
No down payment is required for eligible borrowers, making homeownership accessible without years of saving.
No Private Mortgage Insurance
VA loans do not require PMI, saving you hundreds of dollars every month compared to other low-down-payment options.
Competitive Interest Rates
VA loans typically offer lower interest rates than conventional loans, saving you money over the life of your loan.
No Prepayment Penalties
Pay off your loan early without any penalties, giving you the freedom to build equity on your own timeline.
Limited Closing Costs
The VA limits the closing costs lenders can charge, reducing the amount of cash you need at closing.
Flexible Credit Requirements
VA loans offer more flexible credit requirements than conventional loans, helping more veterans qualify.
Who is Eligible?
You may be eligible for a VA loan if you are one of the following:
Military Service
- Active-duty service members
- Veterans who served the minimum required period
- National Guard members (with qualifying service)
- Reserve members (with qualifying service)
Other Eligible Borrowers
- Surviving spouses of veterans who died in service or from a service-related disability
- Surviving spouses of missing in action or POW veterans
- Certain U.S. citizens who served in allied forces during WWII
- Public Health Service officers and certain other government employees
Typical Requirements
Documentation
- Valid Certificate of Eligibility (COE)
- DD-214 (Certificate of Release or Discharge)
- Proof of income and employment
- Government-issued photo ID
Loan & Property
- Property must be your primary residence
- Property must meet VA minimum property requirements
- VA funding fee applies (may be waived for disabled veterans)
- Sufficient income and acceptable credit history
This is not a commitment to lend. All loans subject to credit approval, underwriting guidelines, and property appraisal. VA loans are guaranteed by the U.S. Department of Veterans Affairs. Rates, terms, and program availability are subject to change without notice. Friends & Family Financial | NMLS #1269265 | DRE #01968186 | Licensed by the California Department of Real Estate.
Ready to Use Your VA Benefits?
Contact us today for a free consultation. We'll help you obtain your Certificate of Eligibility and guide you through every step of the VA loan process.