Zero down payment, no monthly mortgage insurance, and competitive rates for Veterans, active-duty service members, and eligible surviving spouses.
Since 2020, there is no VA loan limit for borrowers with full entitlement, which means qualified Veterans can often buy higher-priced homes with no down payment. Most VA loans include a one-time funding fee, which can be financed and is waived for many Veterans with a service-connected disability. We will confirm your entitlement and fee status up front.
The VA loan is one of the strongest benefits available to those who have served. Guaranteed by the U.S. Department of Veterans Affairs, it lets eligible borrowers buy a primary home with no down payment and no monthly mortgage insurance.
We are honored to help Georgia and Florida Veterans use this benefit, and we make sure you get every advantage it offers.
Yes, for eligible borrowers with full entitlement there is no down payment required on a primary residence. That is the core advantage of the benefit.
It is a one-time fee that helps keep the program running. It can be rolled into the loan, and it is waived for many Veterans receiving compensation for a service-connected disability. We will tell you your exact figure.
Yes. The benefit is reusable, and you can even have more than one VA loan at a time in some situations. We will help you understand your remaining entitlement.
Yes. Cedar Mill Mortgage works with VA loans for credit scores as low as 560, which is more flexible than many lenders allow. Because we are a broker, we shop your file across multiple VA lenders to find one whose credit guidelines fit your situation.
VA loans are available to eligible Veterans, active-duty service members, National Guard and Reserve members, and many surviving spouses. You will need a Certificate of Eligibility, and we can help you request one.
No. VA loans do not carry monthly private mortgage insurance, which usually makes the monthly payment lower than a comparable conventional or FHA loan. Instead, most buyers pay a one-time VA funding fee, which is waived for many Veterans with a service-connected disability.
We will confirm your entitlement and funding-fee status up front and make sure you get every advantage the VA loan offers.
