At Mortgage Capital, we are proud to help Veterans and active-duty service members achieve their dream of homeownership through VA loans. Since 1944, the VA home loan program has helped over 28 million Veterans secure affordable housing with unmatched benefits.

Why Choose a VA Loan?

It function like traditional mortgages but with significant financial advantages designed exclusively for Veterans and military families.

Top VA Loan Benefits

  • $0 Down Payment
    Unlike conventional loans, this allow eligible Veterans to buy a home with no down payment—removing one of the biggest barriers to homeownership.
  • Lower Interest Rates
    It typically offer lower interest rates than conventional mortgages, helping you save thousands over the life of your loan.
  • No Private Mortgage Insurance (PMI)
    Most loan types require PMI if you put less than 20% down, but it never require PMI—reducing your monthly mortgage costs.
  • Flexible Credit Requirements
    It have more forgiving credit guidelines, making it easier for Veterans to qualify.
  • Limited Closing Costs
    It caps lender fees, helping you keep more money in your pocket at closing.

Who Qualifies?

To be eligible for a VA home loan, you must meet at least one of the following service requirements:

  • 90 consecutive days of active duty during wartime
  • 181 consecutive days of active duty during peacetime
  • 6 years in the National Guard or Reserves
  • Surviving spouses of Veterans may also qualify

Not sure if you qualify? Call us today at 561-300-0380, and we’ll help you check your eligibility!

Veteran Loans vs. Other Loan Options

Here’s how Veteran loans compare to other mortgage types:

Feature VA Loans Conventional Loans FHA Loans
Down Payment 0% 3-20% 3.5%
Private Mortgage Insurance (PMI) None Required under 20% down Required
Interest Rates Lowest on average Varies based on credit score Higher
Closing Costs Lower costs Higher costs Moderate costs
Credit Flexibility More lenient Stricter Moderate

For many Veterans, a VA loan is the most affordable path to homeownership. Let us help you explore your best options!

Types of Veteran Loans

🏡 VA Purchase Loan – Buy a new or existing home with $0 down.

📉 VA Interest Rate Reduction Refinance Loan (IRRRL) – Lower your current VA loan rate with minimal paperwork.

💰 VA Cash-Out Refinance – Tap into your home’s equity for financial flexibility.

🌱 VA Energy Efficient Mortgage – Finance up to $6,000 for energy-saving home improvements.

Frequently Asked Questions

What is the VA funding fee?

The VA funding fee helps sustain the VA loan program. It varies based on your loan type and usage history but can be rolled into your mortgage. Veterans with service-related disabilities may be exempt from this fee.

Can I use a VA loan more than once?

Yes! It is a lifetime benefit, meaning you can use it multiple times as long as you meet eligibility requirements.

Are VA loans difficult to qualify for?

Not at all! It have more flexible credit and income requirements compared to conventional loans, making homeownership more accessible to Veterans.

How do I get started?

  1. Check your eligibility – Call us at 561-300-0380
  2. Get pre-approved – Find out how much you qualify for
  3. Find your dream home – With a trusted VA loan expert by your side

Take the First Step Toward Homeownership Today!

This loans offer incredible benefits designed to make homeownership easier for those who served. Whether you’re looking to buy, refinance, or access your home’s equity, Mortgage Capital is here to help! Contact us today.