VA Home Loan Program
First and foremost, I am a Marine, and I love helping other vets!
The VA Loan Program is for eligible veterans, both active and retired. Loans are guaranteed by the U.S. Department of Veteran Affairs (VA) and veterans must meet eligibility requirements by providing a Certificate of Eligibility from the VA. If you don’t have this document or are unsure how to get it, we can help.
Whether you are buying or building a home, there are many benefits to the program. The VA loan is also a great way to make those much-needed improvements such as heating/cooling systems, water heaters, insulation, and other energy-efficient improvements.
I have helped many veterans with the VA Loan Program and I look forward to helping many more. So, if you have served or are currently serving, call me today. I can help you with your mortgage financing needs using the benefits you’ve earned! –Semper Fi
The benefits of a VA loan include:
- Great rates
- Easier qualifying requirements for income and credit
- Closing costs and fees are comparable and sometimes lower than other loan programs (VA limits fees that can be charged)
- Private mortgage insurance is not required*
- No prepayment penalties
- Loan can be assumed or taken over by a qualified buyer when the home is sold
- Counseling and assistance is available to veteran borrowers having financial difficulty or facing default on their loan
- Got Repairs? No problem. With a VA Renovation loan we can finance the repairs into the loan!
*Although mortgage insurance is not required, the VA Loan Program charges a funding fee in order to issue a guarantee for the lender against the borrower defaulting on the loan. This fee may be paid by the buyer or the seller or it may be financed into the loan amount.
Latest Blog Post
Conventional vs USDA Loan Michigan: Your 2026 Mortgage Flight Plan
The “obvious” choice for your mortgage might actually be the most expensive path if you don’t account for the unique terrain of the West Michigan housing market. While you might assume a massive down payment is the only way to avoid financial turbulence, comparing a Conventional vs USDA Loan Michigan reveals that the right flight plan often involves much less upfront cash than expected.
We understand that staring at a map of geographic eligibility or weighing monthly mortgage insurance costs can feel like flying through heavy fog. It’s frustrating when you’re ready to move but feel grounded by confusing requirements. This guide will help you compare these options with the precision of a seasoned navigator. You’ll learn how to identify if your dream neighborhood is USDA-eligible, how the 2026 loan limit of $832,750 impacts your Conventional path, and how the $119,850 income limit affects your USDA eligibility. By the end of this flight plan, you’ll have the expert coordinates needed to choose a loan that offers maximum lift for your West Michigan home journey.
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