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What is a VA Home Loan?


My “Nana” is 90.. and she’s buying her first home!  As the wife of a deceased veteran she is able to use a VA loan.  You wouldn’t believe how easy and smooth the process has been in working with a loan officer who is no stranger to processing these loans.

Academy Mortgage proudly offers loan products that meet the home financing needs of active-duty military and veterans nationwide. VA home loan programs help veterans finance the purchase of homes with favorable loan terms and at an interest rate typically lower than rates charged on other types of mortgages.

What are the benefits of a VA Home Loan?
VA Home Loans offer the following features:

  • No down payment required (provided the veteran is income- and credit-qualified and the purchase price is more than the reasonable value of the property).
  • Buyer informed of property’s reasonable value.
  • Negotiable interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5% and
    exemption for veterans receiving VA compensation).
  • Comparable closing costs with other financing types (or may be lower).
  • No mortgage insurance required.
  • An assumable mortgage (with the approval of the VA).
  • Right to prepay without penalty.
  • VA assistance to veteran homebuyers in default due to temporary financial difficulty.

Who may benefit from a VA Home Loan?
VA Home Loans are made to eligible veterans (who were honorably discharged) for the purchase of a home for personal occupancy. For VA housing loan purposes, the term “veteran” includes certain members of the Selected Reserve, active-duty service personnel, and certain categories of spouses. Academy provides an equal opportunity for all qualified veterans to obtain a VA loan.

For more information

  • Contact your loan officer today to see if a VA Home Loan is the right solution for you. We take pride in delivering value and savings to the men and women who serve our country. It would be a pleasure to help.
  • Review the Department of Veterans Affairs’ online pamphlet, VA-Guaranteed Home Loans for Veterans.

Nia Knowles

Realtor, Community Advocate, Mother, Leader, Innovative Thinker, Idea Generator,

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