The VA Loan Program

Veteran’s Administration or “VA” loans are available for active, non-active and retired Army, Air Force, Marine, Navy, National Guard, and Coast Guard veterans (or their eligible surviving spouses) who meet the established service requirements. This loan is offered with both Fixed-Rate and Adjustable Rate Mortgage options. Processing and Underwriting Fees are also waived for VA home loans.

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Highlights & Benefits

Cash Requirements

100% financing/no down payment

Generous Reserve Requirements

Little to no cash reserve needed

Closing Options

Seller can pay for closing costs and some required repairs

Leaner Payment Requirements

No monthly Private Mortgage Insurance (PMI)


Available for purchase and refinance

Pay Off Early

No prepayment penalty

More About The VA Loan Program

The VA home loan is designed to promote homeownership for current and former service members. This VA loan option is a 100% home financing opportunity that helps qualified veterans (or eligible family members) purchase, refinance, or repair a home. You don’t need to be a first-time homebuyer to take advantage of this loan program, and there are zero down payment options up to specific loan amounts.

Additional VA Loan Options

For loans that exceed county-specific VA loan limits

VA Loan Options

  • Home Purchase Loans

    Purchase your first home or your next home.

  • Cash-out Refinance Loans

    Allows the borrower to borrow against home equity to pay off other debts, make home improvements, or to fund schooling.

  • Interest Rate Reduction Refinance Loans (IRRRLs)

    Helps the borrower to obtain a lower interest rate by refinancing their existing VA loan. The new loan would also be a VA loan and has the same requirements/benefits while allowing the borrower to either lower their fixed interest rate loan or convert an adjustable-rate mortgage into a fixed-rate mortgage.

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

By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

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