The VA loan is reserved for US Military Veterans who qualify for VA Benefits. Our Veterans have earned the use of this loan with little to no down payment, lower closing costs, and competitive rates. The VA loan is available in a 15 or 30 year fixed rate as well as Adjustable Rate options. The VA cash-out refinance allows up to 100% Loan to Value and is a great option for our Veterans to get any needed cash out of their home. We also have the option for our Vets who currently have a VA loan to do a VA IRRL refinance, which would allow us to refinance the VA loan with no appraisal to lower your rate. The process is simple with limited paperwork, lender paid closing costs, and no income verification.