VA Home Loans

VA Loans Done Right is a group of VA Mortgage professionals with over 20 years of experience in VA Home Financing. VA Mortgages remain one of the best Home Loan Programs with some of the Lowest Mortgage Rates in the United States and can help active and retired military achieve the American dream of home ownership with 100% financing, no mortgage insurance, and reasonable credit guidelines. VA is arguably the best first time home buyer loan in the market.

The Veterans Administration offers a stable, government-backed mortgage program that has been around for decades.  Despite recent tightening of mortgage qualification standard, VA remains a flexible program designed to help veterans achieve the dream of home ownership. VA rates are competitive with “conventional” rates and payments are low due to no mortgage insurance.

One of our experienced VA Home Loan Experts will give you a free, honest, no obligation consultation to help determine if you qualify for VA financing!

Purchase a home with VA Financing

Refinance your VA Mortgage

OK, sounds good, but do you qualify?  The first step to determining if you qualify for a VA Home Loan is to order your VA Certificate of Eligibility (COE).  We can obtain your COE in minutes through our VA Portal.  You must have a DD214 or be active military in order to request your COE.  Visit our Certificate of Eligibility page for more information.

Once you have determined your eligibility, the next step is to get pre-approved.  If you are buying a home, the seller will want to see a pre-approval letter submitted with your offer.  Our VA Home Loan Experts can help you get pre-approved today!

VA mortgage rates for 01/21/2010

*Please note that VA mortgage rates are subject to change, sometimes several times per day.*

*We now have credit score tier specific VA mortgage Rates!*

*All VA mortgage rates posted are based on 30 day locks. *

*Please note that the VA mortgage rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed – Credit Scores 620 to 639

With 1.25 points – 4.75%!          With 0 points – 5.00%!

VA 30 year fixed – Credit Scores 640 to 659

With 1.25 points – 4.75%!          With 0 points – 5.0%!

VA 30 year fixed – Credit Scores 660 to 699

With .875 points – 4.75%!          With .250 points – 4.875%!

VA 30 year fixed – Credit Scores 740+

With .5 points – 4.75%!          With 0 points – 4.875%!

VA 15 year fixed – Credit Scores 620 to 639

With 1.0 points – 4.25%!          With .250 points – 4.375%!

VA 15 year fixed – Credit Scores 640 to 659

With .750 points – 4.25%!          With .125 points – 4.375%!

VA 15 year fixed – Credit Scores 660 to 699

With .50 points – 4.25%!         With 0 points – 4.375%!

VA 15 year fixed – Credit Scores 740+

With .125 points – 4.25%!          With 0 points – 4.375%!

VA 3/1 ARM- Credit Scores 620 to 639

With 1 points – 3.75%!          With .125 points – 4.0%!

VA 3/1 ARM – Credit Scores 640 to 659

With .75 points – 3.75%!          With 0 points – 4.0%!

VA 3/1 ARM – Credit Scores 660 to 699

With .5 points – 3.75%!          With .125 points – 3.875%!

VA 3/1 ARM (1/1/5 Caps)- Credit Scores 740+

With .125 points – 3.75%!          With 0 points – 3.875%!

Click here for your free customized quote.

Compare Today’s VA Rates with Today’s USDA Rates and Today’s FHA Rates



VA mortgage rates for 01/05/2010

*Please note that VA mortgage rates are subject to change, sometimes several times per day.*

*All VA mortgage rates assume a credit score of at least 620.*

*All VA mortgage rates posted are based on 30 day locks. *

*Please note that the VA mortgage rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed

With 1 point – 4.875%!

With 0 points – 5.125%!

VA 15 year fixed.

With 1 points – 4.25%!

With 0 points – 4.50%!

VA 3/1  year ARM

With 1 points – 3.75%!

With 0 points – 4.125%!

VA 5/1  year ARM

With 1 point – 4.50%

Click here for your free customized quote.

VA mortgage rates for 12/18/2009

*Please note that VA mortgage rates are subject to change, sometimes several times per day.*

*All VA mortgage rates assume a credit score of at least 620.*

*All VA mortgage rates posted are based on 30 day locks. *

*Please note that the VA mortgage rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed

With .5 point – 4.750%!

With 0 points – 4.875%!

VA 15 year fixed.

With 0 points – 4.25%!

VA 3/1  year ARM

With 0 points – 3.75%!

VA 5/1  year ARM

With 1 point – 4.25%

With 0 points – 4.750%

Click here for your free customized quote.

VA mortgage rates for 12/10/2009

*Please note that VA mortgage rates are subject to change, sometimes several times per day.*

*All VA mortgage rates assume a credit score of at least 620.*

*All VA mortgage rates posted are based on 30 day locks. *

*Please note that the VA mortgage rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed

With 1 point – 4.750%!

With 0 points – 4.875%!

VA 15 year fixed.

With 1/2 point (0.50%) – 4.25%!

With 0 points – 4.375%!

VA 3/1  year ARM

With 1 point – 3.75%!

With 0 points – 4.250%!

VA 5/1  year ARM

With 1 point – 4.25%

With 0 points – 4.50%

Click here for your free customized quote.

Airtime: Mon. Nov. 30 2009 | 12:48 PM ET

The U.S. Treasury plans to push lenders to modify their mortgages in hopes of keeping more Americans in their homes. Michael Barr, assistant Treasury Secretary, provides insight into the program and participants to CNBC’s Diana Olick.

VA mortgage rates for 11/30/2009

*Please note that VA mortgage rates are subject to change, sometimes several times per day.*

*All VA mortgage rates assume a credit score of at least 620.*

*All VA mortgage rates posted are based on 30 day locks. *

*Please note that the VA mortgage rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed

With 1. point – 4.50%!

With 0 points – 4.875%!

VA 15 year fixed.

With 1/2 point (0.50%) – 4.25%!

With 0 points – 4.375%!

VA 3/1  year ARM

With 0 point – 3.875%!

With 1 points – 4.375%!

VA 5/1  year ARM

With 1.125 point – 4.25%

With 0 points – 4.50%

Click here for your free customized quote.

Compare Today’s VA Rates with Today’s FHA Rates and Today’s USDA Rates

We are starting to see something on government backed loans that has never happened before, credit score tiered adjustments.

It’s ironic that the government and media claimed that the Home Value Code of Conduct (HVCC) was needed because mortgage brokers put pressure on appraisers to “hit” value.

In reality, lenders started requiring desk reviews and underwriters started pulling their own AVMs (Automated Valuation Model) from their desk at least 2 years prior to the HVCC going into effect. Here’s the ironic part, lenders started doing their job! The underwriter is supposed to determine the risk on every file and that includes the appraisal.

Now statistics show that since the implementation of the HVCC, appraisal fraud has increased by 46%!

VA mortgage rates for 11/16/2009

*Please note that VA mortgage rates are subject to change, sometimes several times per day.*

*All VA mortgage rates assume a credit score of at least 620.*

*All VA mortgage rates posted are based on 30 day locks. *

*Please note that the VA mortgage rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.

VA 30 year fixed

With 1.625 point – 4.625%!

With 0.75% point – 4.750%!

With 0 points – 4.875%!

VA 15 year fixed.

With 0.75 point – 4.25%!

With 0 points – 4.375%!

VA 3/1 year ARM

With 0 point – 3.875%!

VA 5/1 year ARM

With 1.125 point – 4.25%

With .25 points – 4.50%

Click here for your free customized quote.

Compare Today’s VA Rates with Today’s FHA Rates and Today’s USDA Rates

So it’s not really funny but it is amazing!

Not something you want to happen as first time home buyer!