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Take Advantage of your VA Benefits! Get a no down payment VA Home Loans for our military personal.

Why get a VA Loan in MN, SD, or WI?   

It's simple ... Lower Rates. Lower Payments. NO Down Payment.

Thousands of people are using their VA Loan benefit every single month. Let us help you purchase a MN or WI home with ZERO DOWN, or lower your existing VA home loan with a refinance to today's low interest rates.

BUYING A HOME WITH A VA HOME LOANS

Purchase with Zero Down

A VA Loan still allows a Vet buy a home with Zero DOWN and finance 100% of the home's purchase price. Now more than ever, banks are requiring larger down payments for conventional loans with more expensive mortgage insurance. In many cases they require 10-20% down, putting home ownership out of reach for many prospective buyers.

How much will $0 down save you? FHA loans require 3.5% down. Conventional loans will require a minimum of 5% down, and in many cases as much as 10% and 20%.

VA loans have NO PMI = Lower Monthly Payments

A VA Loan offers a HUGE savings benefit. They do NOT require monthly PMI, or private mortgage insurance. PMI is an added monthly expense required for conventional loans and FHA loans where the borrower finances more than 80% of the home's value.

Interest rates are also typically lower with a VA Loan, than a conventional loan. A lower rate combined with monthly PMI savings can substantially lower your monthly payment.

Getting Qualified is Easier

The qualification guidelines are less stringent for VA Loans. Because the loan is backed by the government, lenders don't need to meet strict lending rules.

VA Purchase loans for Veterans - APPLY

VA Home Mortgage Loan Advantages vs Other Mortgage Loan Options

• VA home loans do not require a down payment, unless the purchase price is more than the appraised value or in excess of current loan limits.

• VA home loans have limitations on which closing costs may be assessed to the veteran.

• VA home loans have no prepaid without penalty.

•  Maximum (zero down) VA loan has increased to match conforming loans!

• VA home loans may have forbearance extended to worthy VA homeowners experiencing temporary financial difficulty

• VA performs personal loan servicing and offers financial counseling to help veterans avoid losing their homes during temporary financial difficulties

• VA interest rates are competitive with conventional loan interest rates.

• VA home loans do not require mortgage insurance - this is a HUGE savings.

• Although there is no down payment required - There are still closing costs, but the seller usually pays ALL of the veteran's closing costs (and with a $0 down payment, the veteran can literally purchase a home for nothing)