VA mortgages are loans guaranteed by the Department of Veterans Affairs (VA) and made through approved lenders – like First Choice Loan Services Inc. The VA insures these loans, thereby protecting the lenders if borrowers default on this type of mortgage. VA loan borrowers can include eligible Veterans, active duty military personnel, and, in some instances, their spouses. Often requiring no down payment, this is an excellent choice for eligible borrowers purchasing their primary residence.
VA loans have many of the standard requirements of other home financing options such as providing evidence of the ability to repay the loan and exhibiting substantial credit. One additional condition is that qualified borrowers will need to provide the lender a certificate of eligibility when applying for a VA loan. This can be acquired through the Department of Veterans Affairs.
For more specifics and a detailed list of the VA loan requirements, visit the Department of Veterans Affairs website at www.benefits.va.gov/homeloans/.
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