Do you only do VA Loans?

No. While I do specialize in VA Loans, I help all home buyers in any situation.

How much home can I afford?

This depends on your income, debts, credit score, and down payment. A good rule of thumb is to keep your total monthly housing payment within a comfortable range of your income—but the best way to know is to get pre-approved so you’re working with real numbers.

What is a mortgage pre-approval?

A pre-approval is when a lender reviews your income, assets, and credit to determine how much you can borrow. It strengthens your offer when buying a home and gives you a clear price range before you start house hunting.

How much do I need for a down payment?

It depends on the loan program. Some loans require as little as 3% down, while others may require more. There are also loan options—like VA loans—that may allow for no down payment at all for eligible buyers.

What credit score do I need to buy a home?

Most loan programs require a minimum credit score in the 580–620 range, but higher scores usually mean better rates and lower monthly payments. Every situation is different, so it’s worth having your credit reviewed.

What is a VA loan?

A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, and some surviving spouses. It’s designed to make homeownership more accessible for those who have served.

What are the benefits of a VA loan?

VA loans offer several major advantages, including:

  • No down payment required (in most cases)
  • No private mortgage insurance (PMI)
  • Competitive interest rates
  • Flexible credit guidelines

These benefits can significantly reduce upfront costs and monthly payments.

Who is eligible for a VA loan?

Eligibility is typically based on military service. Veterans, active-duty service members, National Guard members, reservists, and certain surviving spouses may qualify. A Certificate of Eligibility (COE) is used to confirm eligibility.

Do VA loans have closing costs?

Yes, VA loans do have closing costs, just like other mortgages. However, there are limits on certain fees, and sellers are allowed to cover some or all of the buyer’s closing costs, which can reduce out-of-pocket expenses.