VA Mortgage

What is a VA Mortgage?

VA loans are mortgage loans backed by the U.S. Department of Veterans Affairs. Designed to honor and support those who have served our country, VA loans offer exceptional benefits that are simply not available through conventional financing. Ease Lending is proud to help veterans, active-duty service members, and eligible surviving spouses access these powerful loan options.

Who It's For

VA loans are available to eligible veterans, active-duty service members, National Guard members, reservists, and surviving spouses of veterans who died in service or as a result of a service-connected disability. A Certificate of Eligibility (COE) is required.

Key Benefits

• No down payment required in most cases
• No private mortgage insurance (PMI)
• Competitively low interest rates
• Limits on closing costs
• No prepayment penalty
• Available for purchase and refinance loans
• Can be used multiple times throughout your lifetime

Eligibility Requirements

• Active duty service members with 90 days of continuous service
• Veterans with honorable discharge after minimum service requirements
• National Guard/Reserve members after 6 years or 90 days of active duty
• Surviving spouses of veterans who died in service or from a service-connected disability
• Certificate of Eligibility (COE) required — Adele can help obtain it
• Property must be your primary residence