A VA loan is a mortgage loan available through a program established by the United States Department of Veterans Affairs. The VA sets the qualifying standards, dictates the terms of the mortgages offered, and guarantees a portion of the loan, but does not actually offer the financing. With VA loans, veterans, service members, and families of service members can purchase homes with little to no down payment, no private mortgage insurance (PMI), and with a competitive rate. We can help you choose the right VA loan for your needs.