VA Loans

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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.

Couple holding house keys

Program Features

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

DTI Ratio: Flexible — often up to 50%+ depending on compensating factors

Mortgage Insurance: No monthly PMI required

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

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will 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.

Family eating outside

Why Choose an VA Loan?

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Veterans purchasing their first home
9
Active-duty service members relocating
9
Military families upgrading homes
9
Borrowers wanting 0% down
9
Buyers looking to avoid monthly PMI
9
Veterans refinancing into better terms

We are the Alternative Mortgage Financing Experts.

At Equinox Home Financing, we've helped thousands of borrowers purchase and refinance homes using some of the industry's most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.

Funded Home Loans

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Funded Home Loans

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Answers to Your Questions

What is an VA Loan?
A VA loan is a type of mortgage offered to military service members, veterans, and their families by the Department of Veterans Affairs (VA). It’s designed to help them buy a home with favorable terms, including no down payment requirement and competitive interest rates. VA loans are backed by the government, making them less risky for lenders and allowing borrowers to avoid private mortgage insurance. This special benefit recognizes the sacrifices of those who have served in the military and makes homeownership more accessible for them. Depending on your employment type, we can get you qualified using traditional income documentation.
Is My Credit Score a Factor in Getting Approved?
When doing a VAt loan, we do look at your credit score. It is more of a traditional loan and can go as low as a 500 FICO score at times. With VA loans, factors like past short sales, foreclosures, or derogatory credit have an impact on qualification. However, the VA loan program is more lenient towards credit history. If your financial situation makes sense today, we can lend you the money you need for a VA purchase loan or a refinance loan.
What Kind of Loan Terms Do You Offer?
VA loans come in all types of loan terms. It’s a very flexible program that can help you get the payment that you need. VA loans are available as a 5 Year Adjustable Rate Mortgage, which will get you the best interest rates. If you want a longer term, we have a 7 Year Adjustable Rate Mortgage available and a 30 Year Fixed Rate option available as well. Some borrowers prefer interest-only payments, which we can do as well, so that you can keep your monthly payments as low as possible.
How Do I Get Qualified?
The process is simple. When most people call us, they are usually skeptical about the program and if they can really qualify. Here at Equinox Home Financing, we have been providing these programs since they have been made available and have been able to help many borrowers purchase or refinance their homes. First step is to call us, a professional will help consult with you and explain how our programs work in detail. There are many types of programs, and it’s best to speak with us so we can guide you in the right direction.
What Type of Properties Can I Finance?
It depends on the type of loan program you are qualified for. With a Bank Statement loan program, we can offer this loan on an owner-occupied or second-home property only. We can lend on single-family residences, condos, and 1-4 unit properties.

Our Latest Funded Loans

Take a look at some of the loans we recently funded for our self-employed customers.
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What Are You Waiting For?

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