top of page
Elderly Veteran Honored

VA Loans

VA Loan Programs are government-backed mortgage solutions exclusively available to eligible veterans, active-duty service members, and qualified surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans are designed to make homeownership more accessible by offering competitive rates, flexible qualification standards, and unique benefits not typically found with conventional financing.

VA Purchase Loans

VA Purchase Loans allow eligible borrowers to purchase a primary residence with favorable terms designed to honor their service. One of the most significant advantages of a VA loan is the ability to purchase a home with no down payment, while still securing competitive interest rates and manageable monthly payments.

​

With no private mortgage insurance (PMI) requirement and flexible credit guidelines, VA Purchase Loans offer long-term affordability and stability for those who have served.

Key Benefits:

​

  • No down payment required (for eligible borrowers)

  • No private mortgage insurance (PMI)

  • Competitive interest rates

  • Flexible credit and income guidelines

  • Designed for primary residences

 

Best For:


Veterans, active-duty service members, and eligible surviving spouses purchasing a primary home.

American Flags Display
VA Refinance Loans
Soldier With Children

VA Refinance Loans

VA Refinance Loans provide eligible homeowners with options to lower interest rates, reduce monthly payments, or access home equity. Whether refinancing through a VA Streamline (IRRRL) or a VA Cash-Out Refinance, these programs offer flexibility and long-term value for qualified borrowers.

​

VA refinancing options are designed to improve affordability while maintaining the benefits of VA-backed financing, making them a powerful tool for long-term financial planning.

Key Benefits:

​

  • VA Streamline (IRRRL) options with reduced documentation

  • VA Cash-Out Refinance available for eligible homeowners

  • Potential to lower rates and monthly payments

  • No PMI required

  • Backed by the VA for added security

 

Best For:


Eligible VA homeowners looking to improve loan terms or access equity while maintaining VA benefits.

Ready to Get Started on Your Mortgage?

Whether you’re buying, refinancing, or investing, Lawrence Zhou will help you identify the right loan solution and guide you through every step with clarity and confidence.

bottom of page