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Citizens Home Loans of America


VA Home Loans


New Purchase Loans

VA Loans

For eligible veterans and active duty military personnel a VA mortgage loan can be a wonderful benefit to take advantage of. The Department of Veterans Affairs guarantees these loans, which can finance as much as 100% of the value of the property, ensuring low rates and easier qualification guidelines than with conventional loans. Call us today at 888-342-6550 to learn more.

What are the benefits of a VA Home Loan?


In addition to the excellent VA mortgage rates and no money down option, there are a number of advantages to obtaining a VA home loan, such as:

  • Many VA loans are assumable, meaning if you sell your home the new owners can take over your mortgage rather than applying for a new loan. This is extremely attractive to many buyers and will set your property apart from others for sale.

  • Those with less than perfect credit can sometimes qualify for a VA home loan even if they would not qualify for most conventional loans.

  • A VA mortgage can allow you to purchase a home with very little initial out of pocket expenses. Up to 100% of the property value can be financed, and so can the VA funding fee. Closing costs are permitted to be covered by gift funds or paid by the seller.

  • No private mortgage insurance is required either, which conventional borrowers must pay monthly unless they put down a minimum of 20% of the loan amount.

  • If you already hold a VA mortgage and would like to take advantage of today's low VA mortgage rates a streamlined refinance can be considerably simpler, less time consuming, and less expensive than a conventional refinance. There are no prepayment penalties and with streamlined refinancing, no additional underwriting is required. Request a quote now to see what the rates are today and what you could be saving.


To find out if an VA loan is right for you, call us now at 888-342-6550 or apply online.



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Citizens Home Loans of America is an approved lender of the U.S. Department of Housing and Urban Development (HUD) and Federal Housing Administration (FHA) insured mortgage programs. As an authorized program sponsor of the Federal Housing Administration, Citizens Home Loans can begin processing your application immediately.
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