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Agape Mortgage Group

VA Loan

Are you a qualifying service member, veteran, or surviving spouse interested in purchasing a primary residence? A VA loan could help you buy your new home with a competitive interest rate and often with no down payment required.

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VA Loan Requirements

Here’s what you’ll need to get started with a VA Loan.

580 Credit Score​

A 580 credit score requirement means you don't need flawless credit to qualify for a VA loan.

Certificate of Eligibility (COE)

You’ll need to obtain a Certificate of Eligibility (COE) to prove to lenders that you’re a qualifying service member or surviving spouse.

Debt-to-income Ratio ≤ 60%

This debt-to-income (DTI) ratio makes VA loans more accessible compared to other loan options.

VA Funding Fee

This one-time fee paid to the Department of Veterans Affairs can vary based on the size of your down payment.

VA Loan Benefits

No Down Payment

In most cases, a VA loan lets you buy your new home with no down payment.

Competitive Interest Rates

VA loans provide competitive interest rates compared to many other home loan options.

No Private Mortgage Insurance

With VA loans, you’re not required to make monthly mortgage insurance payments.

100% Access To Home Equity

A VA loan is the only mortgage option that allows you to convert up to 100% of your equity into cash, provided you qualify.

Rate And Term Refinance Options

If you already have a VA loan, you may be able to reduce your rate or adjust your term with minimal documentation, and in many cases, no appraisal is needed.

3 Simple Steps to Secure Your Loan

Apply Online

Start your journey to homeownership by submitting a simple online application, providing key financial details to help us match you with the best loan options.

Chat with an Expert

Connect with one of our experienced loan experts who will guide you through the process, answer any questions, and help you find the best mortgage solution for your needs.

Close Your Loan

Once your loan is approved, we'll guide you through the final steps to close, ensuring a smooth and timely process to get you into your new home.

Discover what works best for you!

Get Pre-approved