VA Loan Products

Veteran borrowers can take advantage of special purchase and refinance options. 100% financing and zero down payment.

VA PURCHASE AND CASH-Out

  • No down payment

  • Manual Underwriting

  • Manufactured homes eligible

  • FICOs from 580 for Purchase up to $1M to 100% LTV/CLTV, DTI subject to AUS

  • FICOs from 700 for Purchase over $1M to $2M to 100% LTV/CLTV, max. DTI 45%

  • FICOs from 620 for Cash-Out to $1M up to 90% LTV, DTI subject to AUS

  • FICOs from 700 for Cash-Out to $1.5M up to 90% LTV, max. DTI 45%

VA IRRRL

  • Loans to $1M

  • FICOs from 580 up to 115% LTV/CLTV

  • Finance all closing costs, except discount points

  • No income or asset verification

  • Up to 36 month recoupment permitted

  • Mortgage-only credit report accepted

  • Manufactured homes eligible