About VA Loans

Curious about how VA Loans work? We’ve provided a quick, complimentary guide below so you can familiarize yourself with the history and specifics.
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VA Loans

The U.S. government started a military loan program back in 1944 to help returning service members be able to buy a home. The loans are backed by the federal government and allow for better loan rates and low-to-no down payment on home purchases. To date, the VA Loan program has helped more than 20 million vets to realize the dream of homeownership in an easier and more affordable manner. Feel free to take a look around our website to learn more about VA Loans. Also, don’t hesitate to fill out the contact form below or give us a call at 909.786.1584.

Loan Amounts

Typically, most VA Loans are capped at $417,000; however, in some areas with higher costs of living, it is possible to attain a loan for a much greater amount – even without making a down payment. If you would like to find out what the limits are in the area that you are looking to buy, then call us today at 909.786.1584.

The Funding Fee

The VA Funding Fee goes directly back into the VA to allow for future military members to receive the same advantages that others are implementing today. The fee itself varies depending on various circumstances, but typically falls between 2% and 3.5% of the home price. This fee can also be rolled in to the total loan amount. Note that those with service-related disabilities are not required to pay this fee.


Anyone who wants to use a VA Loan must have their Certificate of Eligibility (COE). This paperwork comes from the Department of Veterans Affairs and delineates what VA entitlements you have. Remember that you do not need this documentation to begin your loan process and that we can help you to get this paperwork quickly.


Income Requirements

In order to obtain a VA Loan, you will have to have residual income left after paying your major monthly debts – including your mortgage payment. Residual income covers expenses like food, gas, transportation, and other common needs. Notably, the VA Loan program has a very low foreclosure rate because of this requirement.

Further Requirements

  • Any veterans who apply for a VA Loan must not have been dishonorably discharged
  • When applying, you must pass the credit score requirements of the borrower.
  • Your debt-to-income ratio must also satisfy the borrower’s requirements.

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