Our Real Estate team is comprised of military veterans, who live and who have served locally in the Hampton Roads area. We are proud to live in a military community and service those who keep us protected.  The Houser Home Team is dedicated to helping you understand your VA benefits when it comes to home ownership.  Let our team of Veterans and VA Loan experts help you understand what the VA loan can do for you and your family.  From no money down, to debt reductions, we can help you understand your full benefits and how to take advantage of what the VA loan provides.  We understand personally the sacrifice you and your families make, and we want to make sure you get the benefits you deserve.  Let us connect you with a local Mortgage Lenders who is familiar with the VA Loan and its benefits.

The VA Loan is the only loan available that will allow you pay off debts, or other loans, while allowing you to purchase a home with ZERO money down.  The VA helps Service members, Veterans, and eligible surviving spouses become homeowners. As a part of their service, they provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy. 

VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.  Contact us today and get connected with a VA loan expert. 

 

Eligibility Requirements:

The length of your service or service commitment and/or duty status may determine your eligibility for specific home loan benefits.  Service members hold VA eligibility even after they have completed their term, this benefit does not expire just because you are not active service member. 

Purchase Loans and Cash-Out Refinance: VA-guaranteed loans are available for homes for your own personal occupancy. To be eligible, you must have a good credit score, sufficient income, a valid Certificate of Eligibility (COE), and meet certain service requirements. Learn More

Interest Rate Reduction Refinance Loan (IRRRL): The IRRRL is a "VA to VA" loan, meaning it can only be applied to refinance an existing VA loan. An IRRRL can be done only if you have already used your eligibility for a VA loan on the property you intend to refinance. Learn More

Native American Direct Loan (NADL) Program: The NADL program helps Native American Veterans purchase, construct, improve, or re-finance a home on Native American trust lands. Your tribal organization must participate in the VA direct loan program. You must have a valid Certificate of Eligibility (COE) and meet certain service requirements. Learn More

Adapted Housing Grants: VA helps Veterans with certain total and permanent disabilities related to your military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant. Learn More