VA Home
Loans
Helpful mortgage information from Alpha Mortgage, our trusted home financing partner.
At Alpha Mortgage, we believe a VA Home Loan is more than just financing—it’s a well-earned benefit for our nation’s veterans, active-duty service members, and eligible surviving spouses. We are proud to help those who served achieve the dream of homeownership with one of the most powerful loan programs available.
What Is a VA Loan?
The VA Loan program, backed by the U.S. Department of Veterans Affairs, is designed to make homeownership affordable and accessible for those who have served our country. VA loans often come with lower costs, easier qualification standards, and flexible options compared to conventional mortgages.
Down Payment & Funding Requirements:
One of the greatest benefits of a VA loan is the no down payment requirement for most purchases. That means you can finance up to 100% of the purchase price without needing to save for years. Additional benefits include:
- No monthly private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs for veterans
- The VA funding fee can often be financed into the loan or waived entirely for veterans with a service-connected disability.
Who Is Eligible for a VA Loan?
VA Loan eligibility is based on your service history and discharge status. You may qualify if you are:
- An active-duty service member with sufficient service time.
- A veteran who meets minimum service requirements.
- A member of the National Guard or Reserves who meets service criteria.
- An eligible surviving spouse of a veteran.
Alpha Mortgage can help you quickly obtain your Certificate of Eligibility (COE) to confirm your status and start the process.
Why Choose Alpha Mortgage for Your VA Loan?
At Alpha Mortgage, we view the VA Loan as not just another mortgage product—but a benefit you’ve earned through service. Our commitment to veterans includes:
- VA Loan expertise – Our team specializes in VA financing and can guide you through the process with confidence.
- Streamlined approval process – We understand the VA system and work efficiently to help you close on time.
- Respect for your service – We know the VA Loan is a benefit, not a handout, and treat every veteran and service member with the honor they deserve.
- Local knowledge & support – As a trusted mortgage company, we combine national VA expertise with local market experience.
Benefits of a VA Loan at a Glance
- $0 down payment required (in most cases)
- No monthly PMI
- Flexible credit and income requirements
- Competitive interest rates
- Closing costs limited and often lower
- Funding fee waived for eligible veterans with disabilities
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