VA

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connector_color=”#272727″ graphic_icon=”dollar”]No private mortgage insurance (PMI)[/x_feature_box][x_feature_box title=”” title_color=”” text_color=”” graphic=”icon” graphic_size=”15px” graphic_shape=”circle” graphic_color=”#ffffff” graphic_bg_color=”#2ecc71″ align_h=”left” align_v=”top” side_graphic_spacing=”20px” max_width=”none” child=”true” connector_width=”1px” connector_style=”dashed” connector_color=”#272727″ graphic_icon=”dollar”]100% financing with full VA entitlement* [/x_feature_box][x_feature_box title=”” title_color=”” text_color=”” graphic=”icon” graphic_size=”15px” graphic_shape=”square” graphic_color=”#ffffff” graphic_bg_color=”#2ecc71″ align_h=”left” align_v=”top” side_graphic_spacing=”20px” max_width=”none” child=”true” connector_width=”1px” connector_style=”dashed” connector_color=”#272727″ graphic_icon=”dollar”]Fixed- and adjustable-rate mortgages [/x_feature_box][x_feature_box title=”” title_color=”” text_color=”” graphic=”icon” graphic_size=”15px” graphic_shape=”square” graphic_color=”#ffffff” graphic_bg_color=”#2ecc71″ align_h=”left” align_v=”top” side_graphic_spacing=”20px” max_width=”none” child=”true” connector_width=”1px” connector_style=”dashed” connector_color=”#272727″ graphic_icon=”dollar”]VA financing fees can be “rolled” into the loan amount[/x_feature_box][x_feature_box title=”” title_color=”” text_color=”” graphic=”icon” graphic_size=”15px” graphic_shape=”square” graphic_color=”#ffffff” graphic_bg_color=”#2ecc71″ align_h=”left” align_v=”top” side_graphic_spacing=”20px” max_width=”none” child=”true” connector_width=”1px” connector_style=”dashed” connector_color=”#272727″ graphic_icon=”dollar”]Variety of eligible property types, including townhomes and VA-approved condos[/x_feature_box][/x_feature_list][cs_text 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0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/1″ style=”padding: 0px 0px 10px;”][x-contract-perceptive align=”center” color=”hsl(0, 0%, 30%)” size=”” speed=”” level=”h1″ looks_like=”h5″ ]VA LOAN PROGRAMS[/x-contract-perceptive][/cs_column][/cs_row][cs_row inner_container=”false” marginless_columns=”true” style=”margin: 0px auto;padding: 0px;”][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/4″ style=”padding: 0px;”][x-box-perceptive box_style=”content” main_image=”” bg_image=”” bg_color=”#f4f4f4″ image_width=”” image_radius=”” image_style=”” primary_style=”” secondary_style=”” nav_position=”top” content_position=”top” box_radius=”5″ max_width=”400″ min_height=”400″ href=”#” href_title=”” href_target=”false” align=”center” secondary=”” col_width=”50″]

Adjustable-Rate Mortgage

If you are currently serving in the military with a chance of relocating in the next few years, the flexibility of an adjustable-rate mortgage (ARM) could be the right option for you. ARMs offer lower introductory interest rates that can change after the initial fixed-rate period. Depending on market fluctuations after this initial fixed-rate period, your monthly payments could change due to rates increasing or decreasing.

[/x-box-perceptive][/cs_column][cs_column fade=”false” fade_animation=”in” fade_animation_offset=”45px” fade_duration=”750″ type=”1/4″ style=”padding: 0px;”][x-box-perceptive box_style=”content” main_image=”” bg_image=”” bg_color=”#f4f4f4″ image_width=”” image_radius=”” image_style=”” primary_style=”” secondary_style=”” nav_position=”top” content_position=”top” box_radius=”5″ max_width=”400″ min_height=”400″ href=”#” href_title=”” href_target=”false” align=”center” secondary=”” col_width=”50″]

Fixed-Rate Mortgage

Fixed-rate mortgages protect you against rising rates since the interest rate remains the same for the entire term of the loan. You can select a 30- or 15-year loan term. The main difference is the 15-year option has higher monthly payments, which also means you are building home equity faster. Keep in mind you can use equity as a down payment for your next home or a future cash-out refinance. If you plan on staying in your home for a longer time frame, a fixed-rate mortgage could be the right solution for you.

Cash-Out Refinance

If you’re already a homeowner, a cash-out refinance may help you pay for major expenses like college tuition, debt or home improvements. This option allows you to take cash out of your home equity by replacing your current mortgage with a new loan that is more than the amount owed. You can also refinance a non-VA loan into a VA loan with a cash-out refinance.

Interest Rate Reduction Refinance Loan

An interest rate reduction refinance loan (IRRRL) may help lower your interest rate and reduce your monthly payments by refinancing your existing VA loan. You can also refinance an adjustable-rate mortgage (ARM) into a fixed-rate mortgage with this option. However, you cannot receive cash from loan proceeds with an IRRRL.

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