VA Loan

Are you an eligible service member, veteran or qualifying surviving spouse looking to buy a primary residence? A VA loan could get you into your new home at a competitive interest rate – typically with no money down.

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Happy Family Entering in new home

VA Loan Requirements


580 Median Credit Score

A 580 credit score requirement means you don’t need perfect credit to get a VA loan.


Certificate of Eligibility (COE)

You’ll need to obtain a COE to show lenders that you’re a qualifying service member or surviving spouse.


Debt-To-Income Ratio ≤ 60%

This debt-to-income (DTI) ratio makes VA loans more accessible than some other loan options.


VA Funding Fee

This one-time fee paid to the Department of Veterans Affairs may vary depending on the size of your down payment.

New Home

VA Loan Benefits

No Down Payment

In most cases, a VA loan allows you to purchase your new home with no money down.

Competitive Interest Rates

VA loans offer competitive interest rates, relative to some other home loan options.

No Private Mortgage Insurance

VA loans don’t require you to make monthly mortgage insurance payments.

100% Access To Home Equity

A VA loan is the only loan that allows you to convert up to 100% of your equity into cash if you qualify.

Rate And Term Refinance Options

If you have an existing VA loan, you may be able to lower your rate or change your term with fewer documentation requirements. Often, no appraisal is required.

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VA Loan Options

VA 30-Year Fixed

A 30-year fixed VA loan lets you make lower monthly payments.

VA 15-Year Fixed

A 15-year fixed VA loan is a great way to pay off your home more quickly and save on interest.

VA Jumbo Loan

A VA jumbo loan from First Alliance Home Mortgage; gives you more borrowing power.