VA Loans
Buy or Refinance Your Home. LTV up to 90% for Cash Out or 100% For Home Purchases. As Low as 0% Down Payment!
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VA Loan: Program Highlights & Borrower Benefits
A VA Loan is a government-backed mortgage benefit available to eligible veterans, active-duty service members, and surviving spouses. Backed by the U.S. Department of Veterans Affairs, this program offers some of the most powerful mortgage advantages available.
It’s one of the strongest loan programs in the country — if you qualify.
No down payment.
No monthly mortgage insurance.
Competitive rates.
This benefit was earned — not given.
Program Features
Down Payment: 0% down in most cases
Minimum Credit Score: Typically 580–620+ depending on profile
DTI Ratio: Flexible — often up to 50%+ depending on compensating factors
Income Documentation: W-2s, LES statements, tax returns if applicable
Funding Fee: Required (can be financed into the loan)
Property Types: Primary residence only
Occupancy: Owner-occupied required
100% financing available.
Flexible credit guidelines.
No monthly PMI.
It’s one of the most powerful home financing tools available.
Program Highlights
Loan Amounts: Up to county VA loan limits (higher with entitlement and approval)
Down Payment: 0% down in most cases
Minimum Credit Score: Typically 580–620+ depending on profile
Mortgage Insurance: No monthly PMI required
Funding Fee: Required (can be financed into the loan)
DTI Ratio: Flexible — often up to 50%+ depending on compensating factors
Income Documentation: W-2s, LES statements, tax returns if applicable
Property Types: Primary residence only
Occupancy: Owner-occupied required
100% financing available.
Flexible credit guidelines.
No monthly PMI.
It’s one of the most powerful home financing tools available.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes VA Financing Clear & Strategic
At Equinox, we understand VA guidelines and military income structures.
We help with:
- Reviewing Certificate of Eligibility (COE)
- Calculating residual income properly
- Structuring BAH and military pay correctly
- Navigating PCS relocations
- Understanding funding fee exemptions
We don’t just “process” VA loans.
We protect your benefit.
Because this isn’t just another mortgage product.
Why Choose an VA Loan?
We are the Alternative Mortgage Financing Experts.
Funded Home Loans
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Application to Closing Conversion
Funded Home Loans
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Application to Closing Conversion
Answers to Your Questions
What is an VA Loan?
Is My Credit Score a Factor in Getting Approved?
What Kind of Loan Terms Do You Offer?
How Do I Get Qualified?
What Type of Properties Can I Finance?
Our Latest Funded Loans
Los Angeles, California
Bank Statement Loan
10% Down Payment
$1,200,000 Loan Amount
Tampa, Florida
Bank Statement Loan
25% Down Payment
$475,000 Loan Amount
Plano, Texas
2 Year 1099 Loan
15% Down Payment
$505,000 Loan Amount
Check out our Hundreds of 5 Star Reviews
What Are You Waiting For?
Call us today. A licensed representative is on standby to help you with your financing needs. There's no need to wait any longer.
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