VA Home Loan

What is a VA Loan?

VA Loans are great for veterans who are first-time home buyers with limited savings for down payments and closing costs. 

Our VA home loans are available to veterans, active service members and qualified military spouses. They also offer some of the best terms available to anyone: competitive rates, flexible repayment schedules and low out of-pocket expenses.


VA loans feature the following:

  • No required down payment*

  • Fixed or adjustable rates

  • Purchase, refinance and construction loans

  • No private mortgage insurance

VA Home Loan - Security First Financial.

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 Home Loan Qualifications & Highlights

  • 100% Financing with No Down Payment (Closing costs and fees may still apply)

  • Government-backed, so no private mortgage insurance required

  • Qualify with a minimum credit score of 580 

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

  • Easier qualification requirements compared to other home loans

If you meet the qualifications, you can enjoy lower closing costs, lower mortgage payments, and the possibility of no down payment.

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)

Our team is here to answer any questions you have.

We can help you understand more about:

  • Loan Programs

  • Rates

  • The loan process

  • What you'll need for your application

  • What to expect after you complete your application

Apply for a VA Loan Online

At Security First Financial, we’re dedicated to ensuring that each customer has a great experience. Our local home loan originators have decades of combined experience in the mortgage industry and can help you find the right mortgage based on your needs. We are happy to answer any questions you may have along the way to make sure your mortgage loan process is a good one from start to finish. Contact Us Today To Get Started!

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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.

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