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VA Loan

For veterans and active-duty service members.

VA loan benefit
A VA loan isn’t just a mortgage—it’s a thank you, a promise, and a reward for the sacrifices you’ve made in serving our country. Backed by the Department of Veterans Affairs, VA loans are designed to help veterans, active-duty service members, and their families achieve the dream of homeownership with unmatched benefits. Whether you’re looking to buy your first home or refinance, a VA loan can open the door to your future.
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With no down payment required and no private mortgage insurance, VA loans make it easier for you to step into homeownership without the financial burden that comes with other loan types. And because you’ve served, you deserve competitive rates and flexible terms that honor your commitment. At Radiant Mortgage, we’re here to guide you through the process, helping you find the best loan to secure the home you’ve always dreamed of for you and your family. Your service matters, and now it’s time to receive the support you’ve earned.
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Key benefits of a VA
mortgage loan

No Down Payment Required

VA loans allow eligible borrowers to purchase a home with zero down payment, making homeownership more accessible for veterans and service members.

No Private Mortgage Insurance (PMI)

Unlike many other loan types, VA loans do not require PMI, saving borrowers significant money over the life of the loan.

Competitive Interest Rates

VA loans often come with lower interest rates compared to Conventional loans, helping borrowers save on monthly payments and overall loan costs.

Flexible Credit Requirements

VA loans are more forgiving with credit scores, allowing veterans and service members with less-than-perfect credit to qualify.

Limited Closing Costs

The Department of Veterans Affairs places limits on closing costs, ensuring that borrowers face fewer out-of-pocket expenses at the time of purchase.

Assumable Loans

VA loans are assumable, meaning that if you sell your home, the buyer can take over your loan, potentially offering them a lower interest rate and better terms.

Eligibility criteria

VA loans are available to current and former members of the U.S. military, offering benefits specifically designed to make homeownership accessible and affordable for those who have served. These loans require a Certificate of Eligibility (COE) to verify eligibility based on service status, time served, and discharge conditions. Here’s what you need to know about whether you qualify:

Service Time Requirements

  • Active Duty Service Members: At least 90 consecutive days of active duty during wartime or 181 days during peacetime.
  • National Guard and Reserve Members: Generally require at least 6 years of service or a minimum of 90 days of active service if called to duty.
  • Veterans: Honorably discharged veterans who meet the minimum service time.

Spouses of Service Members

  • Surviving spouses of service members who died in the line of duty or due to a service-related disability may qualify.
  • Spouses of prisoners of war (POWs) or service members missing in action (MIA) may also be eligible.

Credit and Financial Qualifications

  • While VA loans are more flexible, lenders often look for stable credit and sufficient income to ensure loan repayment.
  • No specific minimum credit score is required by the VA, but most lenders have their own requirements.

Certificate of Eligibility (COE)

  • Obtaining a COE is a key step, as it verifies eligibility based on your service history.
  • Radiant Mortgage can assist you in obtaining this document.
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Why choose Radiant Mortgage for your VA loan?

Radiant Team

Choosing the right mortgage lender for your VA loan is about more than just numbers—it’s about finding a partner who truly understands the sacrifices you’ve made and is committed to honoring them through exceptional service. At Radiant Mortgage, we believe in making homeownership a reality for those who have served our country. Our team is here to guide you every step of the way, ensuring a supportive, seamless experience so you can feel confident throughout the process.

With our deep expertise in VA loans, we offer unique benefits like no down payment and refinance options to help you achieve the financial security you deserve. At Radiant Mortgage, we’re more than just a lender; we’re an ally who is dedicated to making homeownership accessible, fulfilling, and rewarding for our military families.

See how Radiant Mortgage can make your future shine.

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