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You’re More Than A Number To Us

You were there for us, now let us be there for you on your home financing journey. VA Home Loans are available to qualified active, non-active, and retired service veterans (or their eligible surviving spouses) who meet the established service requirements. ACM ensures you understand your options and benefits as a VA Loan borrower.

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Advantagages of VA Home Loans

Cash Requirements

You might qualify for 100% financing, meaning you could cover the entire purchase price without dipping into your savings for a down payment.

Fewer Monthly Fees

VA loans don’t require monthly Private Mortgage Insurance (PMI), unlike other loan types. PMI is typically required when you put down less than 20% on a conventional loan.

Pay Off Early

Feel the freedom of being in control of your mortgage timeline. These types of loans do not have prepayment penalties.

Possible 0% down payment

Buy a home without putting any money down, VA loans allow you to finance 100% of the home’s value.

No monthly mortgage insurance (PMI)

VA guarantees part of the loan to the lender, which removes the need for insurance even with 0% down payment

More About The VA Loan Program

The VA home loan isn’t just another mortgage; it’s a powerful opportunity explicitly designed to honor your service. Think of it as a pathway to 100% home financing, enabling qualified veterans and eligible family members to purchase, refinance, or even repair a home.

Whether you’re a first-time buyer or have owned homes, this program offers incredible advantages, including zero down payment options up to specific loan amounts.

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Why Choose ACM

  • Dedicated Financing Partner

    At ACM, we see you as more than just a borrower—we're your dedicated financing partner, committed to guiding you through every step of your VA home loan journey. We understand the unique sacrifices of our current and former service members, and we're here to empower you with the knowledge and support needed to achieve your homeownership dreams.

  • Trusted Guidance

    Part of our own dedication to service is our desire to see all of our clients succeed. We aim to provide answers and insight to your VA Home Loan questions through transparency and honest communication.

  • Personalized Solutions

    As a service member, your life hasn’t been traditional and cookie-cutter, your home loan doesn’t need to be either. We provide personalized solutions, not just rate quotes.

Atlantic Coast Mortgage, LLC (“ACM”) is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA, or the Federal or State Government.

VA loans require a one-time funding fee, which helps offset the cost of the program to taxpayers. The amount of the funding fee varies based on factors such as down payment amount, loan type, and whether the borrower has previously used VA loan benefits. This fee may be financed into the loan amount. Certain veterans may be exempt. Contact your loan officer for details.

Eligibility for all applicants cannot be guaranteed. Advertised programs, guidelines, rates, and fees are subject to change without prior notification. Contact a loan officer today to explore your financing options. This is an advertisement and is not a commitment to lend. | Atlantic Coast Mortgage, LLC (“ACM”) | Equal Housing Lender | Company NMLS 643114 (For licensing information, go to: www.nmlsconsumeraccess.org) | Licensure & Product Disclaimers/Disclosures: www.acmllc.com/legal

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