VA Loans

VA Loans by American Capital Financial

Is a VA Loan Right For You?

VA loans are a great option for Servicemembers, Veterans, and eligible surviving spouses. These loans can be used for buying, building, retaining, repairing or adapting a home. Since these loans are guaranteed by the VA, lenders can give you much more favorable rates.

If you are interested in learning more about a VA loan please contact us!

VA Loan FAQs

How do I know if I qualify for a VA loan?

There are a number of factors that determine eligibility for VA loans. The length of service and/or duty status may affect your eligibility for specific home loan benefits. Credit score, sufficient income and a valid Certificate of Eligibility (COE) are all factors. To find out your options please contact one of our mortgage professionals.


What are the benefits to a VA loan?

VA loans have many advantages including:

  • No down payment as long as the sales price doesn’t exceed the appraised value.
  • No private mortgage insurance premium requirement.
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs may be paid by the seller.
  • The lender can’t charge you a penalty fee if you pay the loan off early.
  • VA may be able to provide you some assistance if you run into difficulty making payments.

Please contact us to learn more about VA loans and so we can help you determine which option is the best for you.

Questions? Contact Us!





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Working with American Capital Financial was the closest thing for us to a slam dunk in the mortgage business. From initial phone call to finish was about three weeks. We couldn’t even get our long time mortgage broker to return our phone calls in that time!  They were knowledgeable, honest, efficie…
John and Sandy C.