Dedicated VA
Home Loans
Lender for Our Heroes
Connect with a VA Loan Expert
By clicking the 'Learn More' button above, I authorize Arbor Home Loans to contact me using an automated dialing system, even if the telephone number is a cellular phone or other service for which the party is charged. I understand that I am not required to provide this consent in order to obtain goods or services from Arbor Home Loans. I agree to receive disclosures and communications in electronic form and I confirm that I have a working computer system and an internet website browser to view this webpage and this Loan inquiry form. I agree that Arbor Home Loans may contact me by mail, telephone (mobile devices including SMS and MMS) or email in connection with my request even if my telephone number or email address appears on a Arbor Home Loans internal Do Not Call / Do Not Email List, a State or National Do Not Call Registry, a Do Not E-Mail list, or any other Do Not Contact List.
Dedicated VA
Home Loans
Lender for Our Heroes
Connect with a VA Loan Expert
By clicking the 'Learn More' button above, I authorize Arbor Home Loans to contact me using an automated dialing system, even if the telephone number is a cellular phone or other service for which the party is charged. I understand that I am not required to provide this consent in order to obtain goods or services from Arbor Home Loans. I agree to receive disclosures and communications in electronic form and I confirm that I have a working computer system and an internet website browser to view this webpage and this Loan inquiry form. I agree that Arbor Home Loans may contact me by mail, telephone (mobile devices including SMS and MMS) or email in connection with my request even if my telephone number or email address appears on a Arbor Home Loans internal Do Not Call / Do Not Email List, a State or National Do Not Call Registry, a Do Not E-Mail list, or any other Do Not Contact List.
At Arbor Home Loans, we are deeply committed to serving the heroes of our country—those who have dedicated their lives to protecting our freedoms. Under the leadership of our President, David Burchett, a proud veteran himself, we understand the unique challenges and needs of our military service members, veterans, and their families. Our mission is to provide them with the support and resources they deserve, offering tailored home loan solutions that honor their service and help them achieve the American dream of homeownership. We are honored to give back to those who have given so much for us.
Types of VA Home Loans
The VA loan program offers a variety of options designed to meet the diverse needs of veterans, active-duty service members, and eligible surviving spouses. The most common type is the VA Purchase Loan, which helps you buy a home with competitive interest rates, often without the need for a down payment or private mortgage insurance (PMI). For those looking to refinance, the VA Interest Rate Reduction Refinance Loan (IRRRL), also known as the VA Streamline Refinance, allows you to lower your interest rate or convert an adjustable-rate mortgage (ARM) into a fixed-rate mortgage with minimal hassle.
If you need to tap into your home's equity, the VA Cash-Out Refinance Loan enables you to refinance your mortgage and withdraw cash for any purpose, whether it's home improvements, debt consolidation, or other financial goals. The VA energyEfficient Mortgage (EEM) is another great option, allowing you to finance energy-efficient upgrades to your home, saving you money on utility bills over time. For those planning to build or renovate a home, the VA Construction Loan and VA Renovation Loan offer tailored financing options, covering everything from new home construction to extensive renovations, ensuring your home is perfectly suited to your needs. These varied VA loan types work together to provide veterans and service members with flexible and affordable pathways to homeownership.
VA Purchase Loan
VA Energy Efficient Loan
VA Construction Loan
VA Renovation Loan
VA Interest Rate Reduction Refinance Loan (IRRRL)
VA Cash Out Refinance Loan
Eligibility for the VA Home Loan
Eligibility for a VA home loan is primarily available to veterans, active-duty service members, and certain members of the National Guard and Reserves. Additionally, some surviving spouses may also qualify. Eligibility is confirmed through the VA's Certificate of Eligibility (COE), which verifies your service history and status. The COE is required as part of the VA home loan application process.
Learning Center
What are today’s VA Mortgage Rates?
If you're considering a VA loan, understanding the ins and outs of VA mortgage rates is essential. Let's dive into the history, factors that affect these rates, and other key details to help you make informed decisions.
What are the VA Mortgage Requirements?
If you’re considering a VA loan, you’re likely wondering what it takes to get approved. VA loans are designed to help veterans, active-duty service members, and their families achieve homeownership with favorable terms.
What is a VA Assumable Loan?
A VA assumable loan offers the unique advantage of allowing a new buyer to take over the seller's existing mortgage, potentially securing a lower interest rate and better terms.
What is the VA Funding Fee?
The VA funding fee is a one-time cost paid by veterans, active-duty service members, and eligible surviving spouses when taking out a VA loan. The fee applies whether you're purchasing, building, or refinancing a home, and is paid directly to the Department of Veterans Affairs.
Is there a VA Construction Loan?
The VA construction loan provides a great alternative to traditional construction loans, which often require a large down payment.
Get Your Copy of the VA Guide
By clicking the ‘Download Now’ button above, I authorize Arbor Home Loans to contact me using an automated dialing system, even if the telephone number is a cellular phone or other service for which the party is charged. I understand that I am not required to provide this consent in order to obtain goods or services from Arbor Home Loans. I agree to receive disclosures and communications in electronic form and I confirm that I have a working computer system and an internet website browser to view this webpage and this loan inquiry form. I agree that Arbor Home Loans may contact me by mail, telephone (mobile devices including SMS and MMS) or email in connection with my request even if my telephone number or email address appears on a Arbor Home Loans internal Do Not Call / Do Not Email List, a State or National Do Not Call Registry, a Do Not E-Mail list, or any other Do Not Contact List.
Thank you for your request!
Click here to download your free copy of the VA Home Loans Guide!
Steps to Buy a Home with a VA Home Loan
Applying for a VA home loan is a straightforward process that opens the door to affordable homeownership for veterans, active-duty service members, and eligible surviving spouses. Whether you're a first-time homebuyer or looking to move to a new home, understanding the key steps involved can make the journey smoother and more predictable.
- 1. Get Pre-Approved with Us! As a VA Approved Lender, we'll help you secure a pre-approval letter by reviewing your income, credit, and financial documents. This process helps you understand how much home you can afford and shows sellers that you're a serious buyer with the means to make the purchase.
- 2. Determine Your Eligibility: We'll do this as part of the pre-approval process. This is generally based on your service history or the service history of a deceased spouse.
- 3. Obtain a Certificate of Eligibility (COE): We'll help you get your COE online through the VA's eBenefits portal.
- 4. Find Your Dream Home and Sign a Purchase Agreement: Once you're pre-approved, you can start looking for a home. When you find one you like, work with your real estate agent to make an offer!
- 5. Complete the VA Appraisal and Loan Process: After signing the purchase agreement, we'll order a VA appraisal to ensure the home meets the VA's property requirements and is valued appropriately. Our in-house processing team specializes in VA Home Loans and will work with you to gather any financial
- 6. Close on Your Loan: Close on Your Loan: At closing, you'll sign the final paperwork, pay any remaining closing costs, and then we'll fund your loan! Then you'll receive the keys to your new home.
- 7. Move In: After closing, you can move into your new home and begin enjoying the benefits of homeownership with a VA loan.
More about VA
November 11, 2024
The Majority of Veterans Are Unaware of a Key VA Loan Benefit
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VA Cash-Out Refinance: How to Tap Into Your Home’s Equity
As a veteran or active-duty service member, you have access to one of the most valuable benefits whe