VA Loans

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No Down Payment:

  • VA loans often allow eligible veterans and active-duty service members to purchase a home with no down payment. This can be a significant advantage compared to conventional loans that typically require a substantial down payment.

Competitive Interest Rates:

  • VA loans typically offer competitive interest rates, which can result in lower monthly mortgage payments. This benefit helps make homeownership more affordable for veterans and service members.

Limited Closing Costs:

  • VA loans come with limitations on the closing costs that veterans can be charged. This can reduce the upfront expenses associated with buying a home, making it more accessible for those who qualify.

Flexible Credit Requirements:

  • While the VA does not set a minimum credit score requirement, lenders may have their own standards. However, VA loans often have more flexible credit requirements compared to conventional loans, making it easier for some veterans with less-than-perfect credit to qualify.

No Private Mortgage Insurance:

  • Unlike many conventional loans, VA loans do not require private mortgage insurance (PMI). This can result in additional savings for borrowers, as they won't have to pay a monthly PMI premium, further contributing to the affordability of homeownership.


Reviews

"Noel was very responsive and always took the time to talk me through the process or things I didn't fully understand. I appreciate being treated with so much respect and attention to helping me work through the mortgage process. I definitely felt like Noel was helping me to get the best deal with mortgage rates and a financial situation I could afford, while helping me to purchase the home I was really wanting. One small issue that I had, if I could have put this at "mostly" great, I did feel like his assistant didn't always do her "homework" in her part of working with me. She would often confuse my accounts with financial institutions that I didn't bank with, and wasn't always clear with me on what she needed because of those errors. It just seemed demanding of requests without me understanding what she actually needed. I would have liked for her to have similar knowledge and background of my accounts and paperwork as Noel was so good with. It just became frustrating for me sometimes and took more of my personal time than it seems like it would have if she had stronger knowledge of everything. Noel was amazing with these aspects."

jennifer b

"Noel and Darcy are excellent communicators, provide sage advice and utilize technology to keep us up to date on the entire loan process. Moreover, they've earned my trust over the years which to me, means everything."

roger k

"Very responsive and supportive"

helen l