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:

  • 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

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

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)

*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:

  • 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