VA Loans

You’ve Served Your Country

VA Loans are a benefit that you have earned.

Let us help you with the financing that you have earned a right to have.

VA Loan Types

We fund the following types of VA mortgage Loans:

  • VA purchase loans– Up to 100% LTV of the purchase price
  • Refinance VA Loans – Lower your existing VA loans interest rate. – You can refinance up to 100% of the value of your home.
  • VA IRRL (VA Streamline Refinance loan) – No appraisal required – Lower your existing VA loans interest rate.
  • VA Cash Out loans – Up to 100% of the value of your home

Apply for a VA mortgage loan now

Who Qualifies for a VA Loan

  • Veterans, member of the military, or a surviving spouse of a veteran?
  • Do you want fast approval and minimal red tape?
  • National Guard Members (minimum of 6 years of service)

If you answered “yes” to any of these questions, a VA loan might be right for you!

VA Loan Features

  • 30 and 15 year terms available, both with fixed rates
  • Jumbo VA loans available up to $1,094,625 ($1,500,000 in Alaska and Hawaii) and up to $325,000 cash-out on a refinance
  • Refinance up to 100% of your primary home’s value with VA loans
  • Buy a home with no money down (primary home)
  • No monthly PMI with a VA loan
  • VA loans are governed by the U.S. Department of Veterans Affairs

How VA Loans Work

  • Monthly payments on VA loans are based on interest rate, principal loan amount, and amortized interest over 30 or 15 years
  • Your payment will not change throughout the life of the loan
  • Your actual payment will vary based on your situation and the current interest rates when you apply
  • Pay your mortgage at any time without pre-payment penalties

VA loans provide fixed rate loans with competitive interest rates. Available Terms are 15 or 30-year terms.

Qualification for a VA loan is easier, even if you have dinged up, less-than-perfect credit.


No PMI with VA Loans

  • There’s never a monthly insurance (no PMI) with VA loans


VA Credit Score Requirements

  • Credit scores as low as 580 qualify for VA loans


Miracles Happen specialize in Va loans for veterans and military personal.