You Served.
Now Let’s Get You Home.
The VA loan is the best mortgage benefit in the market — zero down payment, no PMI, and competitive rates. If you’ve earned it, let’s use it.
☎ (865) 420-4639
The Best Loan in the Market — For Those Who Earned It.
A VA loan is a government-backed mortgage benefit available to eligible veterans, active duty service members, National Guard members, reservists, and surviving spouses.
No down payment. No private mortgage insurance. Competitive rates. It’s the most powerful home loan available — and too many veterans either don’t know about it or aren’t sure how to use it.
If you’ve served this country, you’ve earned this benefit. Let’s make sure you use every bit of it.
☎ Call Jeff — It’s Free →☎ (865) 420-4639
Why the VA Loan Is in a Class of Its Own
Zero Down Payment
Purchase a home with no money down. On a $350K home that’s $0 required — not $12,250 like FHA or $70,000 for 20% conventional.
No PMI — Ever
Conventional buyers pay PMI until they reach 20% equity. VA buyers never pay PMI — saving hundreds of dollars every single month.
Competitive Interest Rates
VA loans typically carry lower interest rates than conventional mortgages, saving you significantly over the life of the loan.
Reusable Benefit
Your VA benefit doesn’t expire and can be used more than once. You can even have multiple VA loans at the same time in some cases.
Flexible Credit Standards
VA loans are more forgiving than conventional financing, making them accessible even if your credit history has some bumps.
Streamline Refinance (IRRRL)
Already have a VA loan? The VA IRRRL lets you refinance to a lower rate with minimal paperwork and no appraisal required.
Do You Qualify for a VA Loan?
VA eligibility is based on your service history. If any of the following apply to you, you may be eligible:
- ✓Veterans — honorably discharged after meeting minimum service requirements
- ✓Active Duty Service Members — after 90 continuous days of service
- ✓National Guard & Reservists — after 6 years of service or 90 days active duty
- ✓Surviving Spouses — of veterans who died in service or from a service-connected disability
☎ (865) 420-4639
About the VA Funding Fee
The VA funding fee is a one-time cost that helps keep the VA loan program running. The good news: it can be financed into your loan — no out-of-pocket payment required. And even with the funding fee, VA loans are almost always cheaper long-term than conventional loans with PMI.
| Loan Type | First Use | Subsequent Use |
|---|---|---|
| Purchase — 0% down | 2.15% | 3.30% |
| Purchase — 5% down | 1.50% | 1.50% |
| Purchase — 10%+ down | 1.25% | 1.25% |
| Cash-Out Refinance | 2.15% | 3.30% |
| IRRRL (Streamline Refi) | 0.50% | 0.50% |
VA Loan FAQs
Can I use my VA benefit more than once?▾
Do I need a Certificate of Eligibility (COE) before applying?▾
Is there a minimum credit score for a VA loan?▾
Can I buy a multi-family property with a VA loan?▾
How long does VA loan approval take?▾
Can I use a VA loan if I’ve had a bankruptcy or foreclosure?▾
You’ve Earned This Benefit. Let’s Use It.
Give us a free call and we’ll verify your VA eligibility, walk through your options, and get you on the path to homeownership — with zero down payment.