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VA Home Loan

VA loans offer a multitude of benefits to make homeownership accessible to those who have served our nation. Certainty is an approved VA lender providing veterans, active-duty, National Guard, reserves, and surviving spouses with extraordinary options to purchase or refinance a home.

For our Veterans & Active-Duty Military

Created in 1944 to help give back to those who sacrificed so much for our country, the VA loan program* was part of the original GI Bill of Rights. In many ways, it helped reshape America.

The VA mortgage is fully backed by the US government and is one of the most attractive and flexible mortgages available to those who qualify. It offers up to 100% financing for homebuyers with sufficient entitlement to qualify and does not require monthly private mortgage insurance, which could save you hundreds of dollars a year. It also has more lenient credit and qualifying criteria when compared to a conventional mortgage.

While there are many pros that come with the VA loan, they do require that a fee be added to the loan amount. It is called the VA Funding Fee and is a percentage of the overall loan amount. The amount can vary depending on a few factors, so it is important that homebuyers understand how it works and what they can expect to pay. Read all about the VA Funding Fee here.

If you aren't sure if you qualify for VA financing, speaking to a Certainty Loan Officer is a great place to start. Get pre-qualified today to take full advantage of your well-deserved VA benefits.

Finance Your Home with Confidence Guide

Buying your dream home is possible! And with Certainty by your side, you can navigate the mortgage process with confidence. This guide is to help you navigate your financing journey and help you know what to expect every step of the way.


*Certainty Home Lending has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

Flexible Icon

Flexible qualifying guidelines with lower credit score requirements

100% financing available Icon

100% financing available, meaning no down payment is required

VA loan benefit Icon

The VA allows sellers to assist with a percentage of closing costs

No PMI Icon

No monthly private mortgage insurance required

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