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If you are looking to purchase a home with no money down, you are in luck if you qualify for a VA home loan.  VA home loans can be guaranteed with no money down in some case up to more than 417 thousand dollars.  An added bonus, no private mortgage insurance requirement with a VA guaranteed loan.  The VA even offers help for those looking to refinance.

VA hybrid loans offer low starting rates which help maximize loan qualifications while VA fixed rate mortgages offer the security of a steady fixed payment.  VA hybrid loans are offered as a 3/1 hybrid loan or a 5/1 hybrid loan.  VA fixed rate mortgages are generally offer as 15 year fixed rate, 20 year fixed rate and 30 year fixed rate.

Don't investigate these benefits without asking for information about the interest rate reduction loan, part of something called the VA Streamline Refinance Program, which allows veterans to refinance at little or no expense to them.  Also called the irrl or earl loan, your lender and local VA finance specialist can give you all the details you will need to take full advantage of your VA home loan benefits.

VA home loan has more flexibility than you might think.  While many use this benefit to purchase existing homes, there are many other applications for your VA loan  Did you know a VA home loan may be used to purchase and improve a home at the same time?  You may also use a VA home loan to improve your existing home by using the energy efficient mortgage program.  There is also a provision for people to use a VA loan to purchase a manufactured home and lot, under the right conditions.  There are many applications for a VA home loan, sometimes all you need to do is ask.  

VA finance specialist standing by 08:00 to 20:00 eastern at

800-436-5904