VA Home Loans

Home financing benefits for military and veteran families

CTC Mortgage proudly supports veterans, active-duty service members, and eligible military spouses with specialized home loan options backed by the U.S. Department of Veterans Affairs. VA loans offer significant benefits—including no down payment, no monthly mortgage insurance, and flexible qualification standards—to make homeownership more accessible for those who’ve served.

Proudly Serving Veterans with VA Loans

VA home loans are government-backed mortgages designed to help military members and veterans achieve the dream of homeownership. These loans are guaranteed by the Department of Veterans Affairs and offer 100% financing—meaning qualified borrowers can purchase a home with no down payment required. At CTC Mortgage, we’re honored to work with those who’ve served and to help you take full advantage of the benefits you’ve earned.

VA Loan Benefits

VA mortgages offer a range of advantages that can make a major difference for borrowers:


  • 0% Down Payment: Buy a home without needing a down payment—an exclusive benefit of VA loans.
  • No Monthly PMI: VA loans do not require private mortgage insurance, saving you hundreds per month.
  • Competitive Interest Rates: Enjoy lower-than-average mortgage rates, even with less-than-perfect credit.
  • Flexible Qualification: VA loans allow higher debt-to-income ratios and offer more lenient credit guidelines.
  • Funding Fee Financing: Most borrowers can roll the VA funding fee into the loan; some veterans may be exempt altogether.
  • Limited Closing Costs: The VA places caps on what you can be charged, making your upfront costs lower.

These benefits make VA loans one of the most powerful home financing tools available.

VA Loan Eligibility Requirements

To qualify for a VA loan, you must meet at least one of the following service criteria:


  • You’re a veteran with a discharge other than dishonorable
  • You are active-duty military, serving for at least 90 continuous days
  • You are a member of the National Guard or Reserves with six years of service (or 90 days under Title 10 orders)
  • You are an eligible surviving spouse of a service member who died in the line of duty or from a service-connected cause
  • You’ll need to obtain a Certificate of Eligibility (COE) from the VA—which our team can help you request. In addition to service history, VA borrowers must meet lender requirements related to income, employment, and credit, though the VA itself does not set a strict minimum credit score.

Home Purchase and Refinance with VA

VA loans aren’t just for buying a new home—they’re also a great option for refinancing. If you already have a VA mortgage, you may qualify for a VA IRRRL (Interest Rate Reduction Refinance Loan)—commonly known as a VA streamline refinance. This simplified process allows you to refinance to a lower rate with less paperwork, no appraisal in some cases, and minimal income verification.


For purchases, VA loans allow qualified buyers to shop for a home confidently, knowing they have 100% financing support. And for homeowners, the VA cash-out refinance program can let you tap into equity if needed.

VA Loan Process

Getting a VA loan with CTC Mortgage is a straightforward process. Here’s how it works:


  1. Check Eligibility: We help determine if you qualify for VA loan benefits based on your service history.
  2. Request COE: We’ll help you request your Certificate of Eligibility directly from the VA.
  3. Pre-Approval: Our team will review your credit, income, and financial goals to pre-approve you for a VA loan.
  4. Home Shopping & Offer: Armed with your pre-approval, you can make a confident offer on a home.
  5. Loan Processing & Closing: We’ll guide you through underwriting, coordinate your VA appraisal, and get your loan Clear to Close.

Typical documents you may need include your DD-214 (for veterans), proof of income, and government-issued ID. CTC Mortgage will handle the VA paperwork and stay by your side every step of the way.

Explore Other Loan Options

Looking for a different type of mortgage? Compare our other home purchase programs:

Ready to Get Started?

Contact Us today for a free pre-approval or to learn more about your mortgage choices.

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va Loan FAQ

Answers to common mortgage questions

  • Who is eligible for a VA home loan?

    VA loans are available to veterans, active-duty military, National Guard and Reserve members (with sufficient service), and eligible surviving spouses. You’ll need a Certificate of Eligibility (COE) to prove your qualification. If you’re unsure whether you qualify, CTC Mortgage can help review your service history and obtain your COE.

  • Do I really need no down payment for a VA loan?

    That’s right—VA loans allow qualified borrowers to buy a home with zero down payment, making them one of the most affordable options in the market. This is particularly helpful for first-time buyers or anyone who prefers to keep cash in savings for emergencies, moving expenses, or home improvements.

  • Does a VA loan require mortgage insurance?

    No. VA loans do not require private mortgage insurance (PMI), which is typically mandatory on loans with less than 20% down. Instead, most VA borrowers pay a VA funding fee, which helps offset program costs. This fee can often be rolled into the loan, and many disabled veterans are exempt from paying it altogether.

  • Can I refinance my current mortgage into a VA loan?

    Yes. If you already have a VA loan, you may be eligible for a VA IRRRL, which streamlines the refinance process and often requires no appraisal or income verification. You can also refinance a non-VA loan into a VA loan using the VA cash-out refinance option, depending on your equity and eligibility.

  • How do I start the VA loan process with CTC Mortgage?

    The process begins with a conversation. We’ll confirm your service history, help you get your Certificate of Eligibility, and walk you through a fast and straightforward pre-approval process. Once you’re pre-approved, you’ll be ready to shop for a home with 0% down. Contact our VA loan team today to get started!