You served our country. Let us serve you with a VA loan for your home purchase and refinance. As an active duty military service member or a retired veteran, you're entitled to exclusive VA mortgage benefits. Let us help you get into the home you've always wanted. All with special mortgage terms and a high level of extraordinary service. Plus, elite pricing for credit scores starting at 640. VA IRRRL refinance As low as 0% down payment Cash-out up to 100% LTV Fast closings – 20 days or less, on average No appraisal needed No income or asset verification required No out-of-pocket money at closing Reduced or waived funding-fee options Mortgage-only credit report pull Foreclosure/Short Sale/Bankruptcy <2 years allowed with AUS Approval