One of the best VA lenders in the country.
I could not have had a better experience. This was my first purchase and it was so smooth that I never felt uncomfortable at any point in the process. Josh kept me informed in every area and held out for the best VA rate. I knew at a certain point that they were not just doing business, but was looking out for my best interest. I was ready to close my VA loan in less than a few weeks. On every occasion Josh has kept his word to me. Nothing is more important to me. I will use them again and again. It was definitely a great experience. Thanks Josh! You are the man when it comes to VA loans.

Robert
Atlanta, GA

VA vs. Conventional mortgages - VA homes loans have several advantages over most conventional loans. Below are some of the main benefits of the VA home loan. But we encourage you to Apply Now for a New Purchase or a Refinance and see that Smart VA Loans is right the right loan for you!

VA Home Loan Benefits:

1. Up to 100% financing on purchases with NO down payment required.  *Note: Credit and income qualifications required.
2. No expensive monthly Private Mortgage Insurance (PMI) required on most conventional loans with less than 20% down.
3. Competitive Interest Rates.
4. Seller is allowed to pay up to 4% of the purchase price for the veteran closing cost on purchase transactions. Thus allowing most veterans to get into a home with little or no out of pocket cost.
5. More credit flexibility with lower credit scores, bankruptcies, foreclosures, and collections than most conventional loans.
6. VA loans up to $417,000 with NO down payment and $625,500 for transactions in Hawaii and Alaska. VA loans above these limits may be allow but a partial down payment will be required.
7. VA enforced restrictions against excessive lender “junk” fees.
8. VA Streamline Refinance loan process available for existing VA loans.
9. No prepayment penalties.
10. Several Fixed and Adjustable rate options available.

• What is a Certificate of Eligibility (COE) and how can veterans and service members obtain one?
• How many years of military service are required for Active Duty service members vs. Selected Reserves or National Guard duty?
• Have you had a VA home loan in the past and wonder how you can get another one?

All of answers to these common questions can be found in our comprehensive VA Loan Eligibility section of our website. If you’re not finding what you are looking for we recommend contacting one of our VA Home Loan Specialists. Our knowledgeable staff has the experience to answer the toughest VA questions.

The VA Underwriting Handbook is one of the most convoluted publications for VA lenders and those looking for more information on VA Mortgages. In our VA Home Loan FAQs section we’ve tried to answer some of the most commonly asked questions and provide clear and concise answers that won’t leave you scratching your head after you’re done reading. Once you’ve found what you’re looking for we encourage you to Apply Now for a VA Purchase or VA Refinance and see how easy it is to get qualified for a VA Home Loan.

We realize that purchasing or refinancing ones home is typically the largest purchase of most people’s lives. Our goal is to make educate veterans on their VA Home Loan Benefits so they can make a prudent financial decision when it come to choosing a mortgage. Our core mission is to provide timely, courteous, as personalized service to each individual client. At the heart of what we do is a genuine respect and sincere appreciation for all our troops, past and present.