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VA Mortgage Product

VA Loans

Why Get a VA Loan?

A VA Mortgage is a residential home loan created by veterans and is guaranteed by the US Department of Veterans Affairs. This loan is exclusively available to eligible American veterans or for their surviving spouses.


Since 1944, VA Mortgage loans are loans has helped millions of active-duty and ex-military families become homeowners. At Equity One Lending, we take pride in serving those who served our country in our armed forces.


The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.


The Veterans Administration provides insurance to lenders in the case that you default on a loan. Because the mortgage is guaranteed, lenders will offer a lower interest rate and terms than a conventional home loan. VA home loans are available in all 50 states. A VA loan may also have reduced closing costs and no prepayment penalties.

The VA Mortgage is a government-based product offering 100% financing of the reasonable value of the property, with less restrictive qualifying terms than conventional programs.

Houseing Grants for Service-Related Disabilities

Those eligible for an adapted housing grant through Veterans Affairs can get help with a service-connected disability purchase, build an adapted home or adapt an existing home to support their disability.


If you’re a military veteran looking to buy, refinance a VA loan or want to learn more about VA homeownership benefits, let us know today.


*excludes other VA-permissible itemized charges
*VA loans require a VA Funding Fee that may be financed into the loan or paid out of pocket at closing
*VA loans require a VA Funding Fee that may be financed into the loan or paid out of pocket at closing.

VA Loan Specifications

(1-4 unit, primary residence only)

30-year Minimum FICO

  • 580 minimum FICO and maximum loan amount of $453,100; or
  • 620 minimum FICO and maximum loan amount of $1,500,000

15-year Minimum FICO

  • 640 minimum FICO and maximum loan amount of $1,500,000
  • Note: For loan amounts greater than > $453,100 the maximum loan amount must include the funding fee when financed (applies to both 15 and 30 year fixed)


Let us guide you through the process, so you can join the thousands of happy homeowners who trust AMAC – American Mortgage Alliance Company.