VA Mortgage Loans
Honoring your service with the lowest wholesale VA mortgage rates nationwide. Secure your future with 100% financing, $0 down, and our $2,000 Best Price Guarantee.
Serving Those Who Served Nationwide
Backed by the Department of Veterans Affairs, VA loans are arguably the most powerful mortgage option on the market. As a top-rated nationwide mortgage broker, FIG Homes & Loans provides access to the lowest wholesale VA mortgage rates across all 50 states. We honor your service with our $2,000 Best Price Guarantee, ensuring you get the absolute best terms on your VA home loan while shopping 220+ wholesale lenders on your behalf.
We Have Your Six
We uniquely understand the needs, timelines, and challenges of those who have served. You served us—now, let us serve you with the highest level of dedication and respect.
Comprehensive Support
Whether you are looking to buy, sell, refinance, utilize a VA IRRRL, or get a brand new mortgage, our elite team has your back. We are fiercely dedicated to providing you with the most competitive rates and expert guidance through every step.
Nationwide PCS & Relocation
We are certified military relocation specialists. Making a PCS move? We work hand-in-hand with trusted counterparts across all military installations in America to ensure your transition is completely seamless from coast to coast.
0% Down Payment
Purchase a home without the burden of saving for a large down payment. 100% financing is available for eligible borrowers.
No PMI Required
Unlike conventional loans, VA loans never require Private Mortgage Insurance, saving you hundreds of dollars every month.
Lower Interest Rates
Because the loan is backed by the government, lenders can offer consistently lower interest rates compared to traditional financing.
Who is Eligible?
- Active-Duty Military: Currently serving personnel with at least 90 continuous days of service.
- Veterans: Honorably discharged veterans who meet minimum service requirements based on their era of service.
- National Guard & Reserves: Members with at least six years of service, or 90 days under certain Title 10 or Title 32 orders.
- Surviving Spouses: Unremarried spouses of veterans who died in the line of duty or as a result of a service-connected disability.
The Certificate of Eligibility (COE)
To prove you qualify for a VA loan, you'll need a Certificate of Eligibility (COE). Don't have yours yet? Don't worry. Our elite team can often pull your COE instantly through the VA's automated system during your initial consultation.
Get Your COE TodayWhat is the Process?
- Get Your COE: We help you obtain your Certificate of Eligibility from the VA.
- Nationwide Pre-Approval: We review your credit and income to pre-approve you for a specific loan amount at the best wholesale VA rate.
- House Hunting: You find your dream home and make an offer.
- VA Appraisal: A VA-approved appraiser evaluates the home's value and ensures it meets the VA's Minimum Property Requirements (MPRs).
- Underwriting & Closing: We lock in your wholesale rate and finalize the loan approval so you can close on your new home with $0 down!
Types of VA Loans We Offer
VA Purchase Loan
Buy a primary residence with $0 down. Use your VA entitlement to purchase a single-family home, condo, or even a multi-unit property (up to 4 units) as long as you occupy one of the units.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan allows veterans with an existing VA loan to easily lower their interest rate with minimal paperwork, no appraisal, and no out-of-pocket costs.
VA Cash-Out Refinance
Turn your home equity into cash. Replace your current mortgage (VA or non-VA) with a new VA loan and take out cash to pay off debt, make home improvements, or fund major expenses.