Superior Terms for Eligible Active Duty Military and Veterans

VA Mortgage Loans

VA loans offer special mortgage terms to qualified veterans, active duty service members, and their spouses. Guaranteed by the U.S. Department of Veterans Affairs (VA), these loans have flexible qualifying criteria and generally do not require a down payment.

Additional Benefits of the VA Loan Program

  • No private mortgage insurance requirement

  • 100% financing up to the VA lending limit in your area *

  • Borrow up to $1.5 million with a VA Jumbo Loan **

  • Right to prepay loan without penalties

  • Closing costs comparable – and sometimes lower – than other financing types

  • Mortgage can be taken over (or “assumed”) by the buyer when a home is sold. (Must be VA eligible)

  • Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan



 Ready to Get Started?

Work with our team of military lending specialists to determine your eligibility and learn more about how a VA Loan can work for you.

* VA loans require a non-refundable VA funding fee at closing. Maximum VA loan amounts vary by county. Talk to a First Heritage Mortgage loan officer about specific fees and loan limits that apply to you.

** Eligible borrowers using a VA Jumbo Loan are required to pay 25% of the difference between the sales price of the home and the applicable VA loan limit as a down payment. Talk to a First Heritage Mortgage loan officer to learn more.