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San Jose, CA 95121

VA Loan

Honor and Support for Veterans

VA Loans are a highly valued home loan option for a significant reason. If you're a qualifying veteran or service member who seeks lower or no down payments, less stringent credit requirements, and the predictability of a fixed interest rate, it's time to look into the benefits of VA Loans.

Empowering you to buy the home you deserve

It only takes 3-minutes to explore your options, and it won’t affect your credit score — no commitment required.

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VA Loan Requirements

No Minimum Credit Score

VA loans don’t typically have a minimum credit score, but lenders usually look for a score of 620 or higher.

No Down Payment Required

VA loans do not require a down payment.

1% – 3% In Closing Costs

You’ll need 1% – 3% of the total purchase price to cover closing costs.

Debt-To-Income Ratio ≤ 41%

You’ll need a debt-to-income ratio (DTI) of no more than 41%.

VA Loan Benefits

No down payment requirement

Making homeownership more affordable for eligible veterans, active-duty military personnel, and their spouses.

Lower interest rates compared to conventional loans

resulting in potential cost savings over the life of the loan.

No private mortgage insurance (PMI) requirement

reducing monthly expenses and potentially saving borrowers money.

Additional VA benefits and assistance available

such as support for disabled veterans and access to refinancing options.

VA Loan Loan Options

VA 15-Year Fixed

The VA 15-year fixed mortgage offers the assurance of a fixed, relatively lower monthly mortgage payment for its short span, supporting our service members.

VA 25-Year Fixed

The VA 25-year fixed mortgage provides the serenity of a consistent, comparatively lower monthly payment over a quarter of a century, aiding those who've served.

VA 30-Year Fixed

The VA 30-year fixed mortgage offers the tranquility that comes with a secured, lower monthly mortgage payment, beneficial for our veterans and service members.

See what's possible

Use our calculators to see what homeownership could look like for you.

Refinance:

A few clicks can mean years of savings

Refine your mortgage now to save money and enjoy future financial benefits.

DAILY REFINANCE MORTGAGE RATES (September 18, 2024)

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DAILY PURCHASE MORTGAGE RATES (September 18, 2024)

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LOAN OPTIONS

30-Year Fixed

25-Year-Fixed

15-Year-Fixed

Adjustable Rate Mortgage

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VA Loans

USDA Loans

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3005 Silver Creek Rd STE 210-214, San Jose, CA 95121

(408) 532-1278

mortgage@pacificwide.com

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