VA Mortgage Loan Unlimited Mortgage Lending

A VA mortgage loan is partially Guaranteed by the Department of Veterans Affairs, but the loans are issued by lenders. You may be eligible for a VA loan by meeting one or more of the following requirements:

  • You have served 90 consecutive days of active service during wartime, OR.
  • You have served 181 days of active service during peacetime, OR.
  • You have 6 years of service in the National Guard or Reserves, OR.

Eligible borrowers can use a VA loan to purchase a primary residence or refinance an existing mortgage.  Depending on your eligibility 100% loan to value is available.  A middle credit score of 620 is required by most lenders but not all.  VA does not have a credit score requirement, but they are not the ones doing the actual lending.  Generally, the documents required are as any other loan except this loan also requires military documentation as listed:

Documents Needed

Items Requested (Not All will Apply to you)