Start your quote for a VA Home Loan

(An estimate is fine)
(An estimate is fine)
We will never sell your contact info to other lenders.
Your information is secured by 256-Bit SSL Encryption
Your information is secured by 256-Bit SSL Encryption.

VA Loan Advantages

Advantages for Military Home buyers

The VA Home Loan is offered solely to the brave men and women who have served our country and select military spouses. This program is one of the most desirable pathways to achieving homeownership because of its many advantages and benefits. It is designed specifically to help service members and Veterans meet their housing and financial needs while also achieving maximum savings.

No Down Payment*

The VA Home Loan Program offers a no down payment required benefit. This benefit sets it apart from most other available home loans on the market today.

Find out more »

Easier to Qualify

Through less stringent underwriting guidelines, the VA Home Loan Program allows homeownership opportunities to service members, who couldn't otherwise qualify for conventional financing.

Lower Payments

Lower monthly mortgage payments are achieved by combining competitive interest rates with the advantage of having no private mortgage insurance added to the mortgage payment.

First-Time Buyers

The VA Home Loan Program is extremely helpful for the First-Time Home Buyer because it offers less stringent credit standards combined with the no down payment benefit. 

VA Loan Eligibility

Am I Eligible for a VA Home Loan?

Your eligibility to utilize a VA Home Loan is determined by your length of service or service commitment, duty status, and the character of service. 

Our VA the Fairway experts will help you learn if you are eligible for a VA Loan, we are also happy to assist in obtaining your Certificate of Eligibility.

Have questions about your eligibility? Want to see if you qualify? Call (888) 301-3465 to speak with one of our VA Specialists.

Learn More about VA Loans

*Cases involving other than honorable discharges will usually require further development by VA.

You may be eligible for a VA Home Loan if one or more of these scenarios apply*:

  • You have served 181 days of active service during peacetime, or 90 consecutive days of active service during wartime
  • You have more than 6 years of service in the National Guard or Reserves, less if discharged for a service-connected disability
  • You are the un-remarried spouse of a service member who has died in the line of duty or as a result of a service-related disability or is missing in action or a prisoner of war.
  • There are other circumstances in which you may be eligible, contact us with questions!

VA Loan Refinancing

Refinancing with a VA Loan

There are also different options for refinancing within the VA Loan Program. For those who qualify, the most popular types of refinances are VA Cash-Out Refinances, and VA Streamline Refinances.

Cash-Out Refinancing

Cash-Out Refinances give the borrower an option to convert their home equity into a lump sum of cash often times for home repairs, paying down debts, funding schooling, or financial emergencies. This can be used to turn a loan that isn't a VA loan into a VA loan.

Streamline Refinancing

Streamline Refinances (or an Interest Rate Reduction Refinance Loan, commonly referred to as a VA IRRRL) allow those who have an existing VA Loan to refinance to a lower interest rate, those with an ARM to refinance into a fixed interest rate. This loan is possible to accomplish with no money out of pocket and does not allow for any 'cash back' to borrowers.

American Warrior Initiative

We Are Proud Supporters

Learn How You Can Help & Donate

Why VA The Fairway?

"Ethan, This day may have not been possible without your knowledge and expertise as well as your awesome staff, Chelsea. You and your team kept us well informed and the response communication were impeccable. Stephanie and I are so grateful. We will definitely recommend you to everyone that wants to have a great experience of buying a home like we did! Thank you....thank you! "

Tommy M.

"This loan was very fast tract! Awesome dealing with all of your people !!! On a scale of one to ten mike joy and his team are a 20!"

Tom H.

"Thanks to you and your team for making the process smooth and easy. "

Ibrahim O.

"As a first time home buyer the process had many stressors, Michael and his team was not one of them. "

Richard I. – U.S. Navy

"He {Ethan} did a good and fast job at getting our refinance. He explained everything and detail. And good follow through. "

Mike P.

"Michael and his team made our entire loan process a dream. "

John G.

"Chelsea and staff were awesome! Chelsea was very professional, explained everything, kept me informed at all times and completed my VA Loan in under three weeks. I would definitely recommend Chelsea to everyone. Thank you Chelsea for an excellent job. It was a pleasure working with Chelsea! Thank you again"

Tony F. - United States Air Force

"Michael Joy and his team are very professional, patient, knowledgeable, and shows passion in their work. Reason being anytime we want to buy or refinance we call Michael Joy. We always share our experience with friends and family about Michael Joy and Fairway. Thanks again, Michael, Grace, Richelle, and Fairway Team. Happy Holidays! "

Tom A.

"The entire mortgage process went very smoothly. The office was very prompt with processing all paperwork and was in close communication through out."

Mark A.

"He was amazing and made the home buying process easy for my family on our first home purchase. I would highly recommend him. I wasn't stressed through the whole process and they answered any questions I had in a timely manner."

Kristina C.

"Mike is top notch! He fought for us every step of the way to take full advantage of a first-time homebuyers program, as well as dealing with a very difficult homeowner whom we bought from. His assistant Chelsea is equally professional, prompt, and personally focused on your individual situation. We would never hesitate to recommend them to anyone."

William E.

"It was a pleasure to work with Michael and his team. They made the process very manageable and as pleasant as I think it could be made. "

John R.

"I wanted to let you know, how much we appreciate all your hard and skillful work. We have already begun to recommend you and your team to our friends who are interested in purchasing a home."

Bill E.

"The electronic signing process made the process very convenient. Mike Joy made himself available when needed and was ready with easy to understand answers. He was also able to prepare our financial information while taking our concerns in mind. Overall, the experience was a very enjoyable one. "

Arthur W.

(An estimate is fine)
(An estimate is fine)
We will never sell your contact info to other lenders.
Your information is secured by 256-Bit SSL Encryption
Your information is secured by 256-Bit SSL Encryption.