A Superior Program to Recognize Our Heroes

What is a VA Loan?

A VA loan is insured by the U.S. Department of Veterans Affairs and issued by VA approved lenders. This government guaranteed loan encourages these approved lenders to lend with more flexible and lenient qualifying guidelines.
Qualifying for a VA Loan
The following qualify for a VA loan with suitable credit, adequate income, and a valid Certificate of Eligibility:


Actively Serving Military Personnel

Surviving Spouses

What a VA loan offers
A VA loan provides more options including:

100% Financing available*

No mortgage insurance requirement

Financing up to 103.15%*

Funding fee may be financed

VA Loan Benefits

First Time Buyers

Veterans purchasing their first homes can qualify for more home thanks to no requirement for mortgage insurance. The VA does not require a down payment, and homebuyers can even purchase a home that needs repairs or remodeling and include the costs of those repairs into the VA loan, up to 103.15%*.

Streamlined Refinance

This lowers the interest rates of many veterans without having to re-qualify. The VA mortgage is an incredible program that honors our heroes. The amazing benefits to buyers or borrowers cannot be matched by any other loan program. Purchase a home with no money down, borrow 100% of the value of the home or more, qualify with lenient guidelines, and avoid mortgage insurance requirements with a VA loan.

We’re here to help.

Not sure if you qualify? Want to compare a VA loan to other programs to be sure you are getting the perfect loan? Our loan advisors at American Pacific Mortgage can go over the VA guidelines so you can rest easy knowing that the VA loan is a superior program established in recognition of you. * Qualifying factors may apply