VA home loans benefit veterans, service members and surviving spouses. These loans allow you to buy or refinance with the following advantages:
- No down payment options
- Borrow up to 100% of the home’s value with a cash-out refinance
- Rate and term refinance options
- No private mortgage insurance (PMI) requirement
- Lower interest rates than traditional mortgages
- Higher debt-to-income ratios accepted
- Reduced fees as compared to traditional mortgages
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