VA Home Loan

You’ve served to protect the American Dream - now claim your piece of it with a VA Home Loan

VA home loans offer flexible, sustainable terms, allowing you to purchase your first home even if you have limited savings. And with several refinancing options, you can turn your home equity into cash and reduce your monthly mortgage payment.

 

Features of our VA Home Loans:

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  • 100% financing available with no down payment*

  • Government-backed, so no private mortgage insurance required

  • Competitive rates, a greater degree of safety, and optimal flexibility

  • Easier qualification requirements compared to other home loans

  • Financing for veterans, active service members, and select military spouses

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The exterior of a suburban home with an American Flag displayed

Eligibility for a VA Loan

With a VA loan, the borrower must be a qualifying active duty member of the U.S. military, veteran, or surviving spouse. A Certificate of Eligibility (COE) is required. 

 

You might be eligible if:
 

  • You served 90+ days active duty during wartime

  • You served 180+ days active duty during peacetime

  • You were not dishonorably discharged

  • You are currently active duty

  • You are the surviving spouse of a veteran who died during service or because of service-related injuries and are not remarried

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VA Loan Document Checklist

  • Copy of canceled earnest money check (if you are under contract)

  • Copy of last two months of LES pay statements

  • Paycheck stubs for previous 30 days (for any non-military co-borrowers)

  • Tax returns from the past two years (all schedules and all pages)

  • W2s from the past two years

  • Copy of current "Service Statement" (obtain from base personnel or online)

  • Copy of any asset statements (IRA, 401, TSP, Money Market) (all pages)

  • Checking and savings bank account statements for the past two months (all pages)

  • Copy of driver's license (all borrowers)

  • Copy of Social Security card or passport (all borrowers)

  • Copy of divorce decree (if applicable)

  • Copy of bankruptcy paperwork (if applicable)

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*Closing costs and fees may still apply.

Security First Financial is here to answer any questions you have.

We can help you understand more about:
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  • Home Loan Programs

  • Current Mortgage Rates

  • The home loan process

  • What you'll need for your application

  • What to expect after you complete your application

Apply for a VA Loan Online

Apply Now
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Equal Housing Opportunity Lender

Security First Financial is a division of Primary Residential Mortgage, Inc. PRMI NMLS 3094. Branch NMLS ID# 385589. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Colorado – Regulated by the Division of Real Estate, UCCC #987701-016. Arizona – Arizona Department of Financial Institutions 0902614. Massachusetts – Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC3094. Florida - Florida Office of Financial Regulation MLD646. Texas - This office is licensed and examined by the Office of Consumer Credit Commissioner of the State of Texas. 

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Your opinion is greatly appreciated, we thank you for visiting this website of Primary Residential Mortgage, Inc. If you have specific questions, comments, concerns, or complaints we invite you to contact us by the email shown here: ConsumerVoice@primeres.com. Emails received during business hours should receive a response within 48 hours, excluding weekends or holidays.

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Primary Residential Mortgage, Inc. is licensed under the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking through one of the means indicated below: In Person or U.S mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294, Telephone No. (877) 276-5554, Fax No: (512)475-1313 Email: consumer.complaints@dob.texas.gov Website: www.dob.texas.gov

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Consumers wishing to file a complaint against a mortgage banker or licensed mortgage banker residential loan originator should complete and send a complaint form to the TX department of savings and mortgage lending, 2601 North Lamar Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery find must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

 

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