Tina Mortgage

A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, designed to help eligible veterans, active-duty service members, and certain military spouses purchase a home for personal use.

The VA guarantees a portion of the loan, allowing lenders to offer favorable terms with no mortgage insurance and often no down payment.

✅ Key Benefits of VA Loans

• No down payment required

• No mortgage insurance

• Competitive interest rates

• Reduced closing costs

• Assumable mortgage

• No prepayment penalties

• Support from VA if you face financial hardship

🔍 How to Check if You’re Eligible

To be eligible, you typically need to meet one of the following:

• Served 90 days during wartime

• Served 181 days during peacetime

• 6+ years in the National Guard or Reserves

• Be the spouse of a service member who died in the line of duty or from a service-related disability

👉 To confirm your eligibility, you’ll need a Certificate of Eligibility (COE), which you can:

1. Apply for through your lender (they can pull it for you), or

2. Request directly through the VA eBenefits portal at https://www.ebenefits.va.gov

📞 Call Tina Bui – Your Trusted Mortgage Advisor
If you’re a veteran, active-duty service member, or military spouse and wondering if you qualify for a VA loan. Let’s find out if you’re eligible and explore your VA loan options together.