VA Home Loan
We are committed to helping all members of society finance their dream home. Therefore, if you are a service member, veteran, or widower, you are eligible for our housing program that will guide you through the whole process: from initial purchase, build and/or repair to retention and adaptation for your own personal residency needs.
These types of loans are provided by private lenders such as Amerify and the D.O.D. Veterans Affairs, which offers part of the loan. This way, you can opt for more beneficial payment terms.
We would like to highlight the importance of reading the Buyer's Guide below for VA Home Loans so you can make the most out of your home buying journey.
FOR VETERANS by VETERANS
Amerify is driven by service, very much like our military veterans, who are the ultimate example of serving the community. It is our privilege to be the home for who we consider as family.
If you are a veteran that needs assistance on the purchase, building, or improvement of a home, look no further.
After all, we've walked in your shoes.
For Veterans by Veterans.
Invest in your future dream home
The VA Home Loan is supported by the U.S. Department of Affairs and is aimed at active duty, reservists, and military veterans, including active members with an honorable discharge as well as their families.
VA Home Loan
0% down payment possible
Mortgage insurance not mandatory
Easier credit requirements
Adapt payment term between 8 to 30 years
Looking for a different loan?
We have these other options:
Conventional Home Loan
FHA Loan
Jumbo Loan
USDA and Non-QM
Frequently Asked Questions About Home Loans
No question left unanswered! Get in touch with one of our Loan Officers.
What documentation is necessary to get a mortgage?
1. Tax returns: For this, you'll need to fill out the 4506-T form as well as your tax forms for the last 2 years.
2. Pay stubs, W-2s, or alternative proof of income: These documents relate to your payslips or paycheck stubs. In case you are self-employed, you should provide two recent tax return forms in addition to profit or loss statements.
3. Bank statements and other documents: In addition to your bank statement, you can provide proof of your possessions or investment assets, for example, life insurance.
4. Credit history: A record of how you have managed your credit in the past, evidencing any occurrence of bankruptcy or foreclosure.
5. Gift letters: It's important to distinguish between a ""gift"" and a loan. If someone close to you wants to help with your down payment as a gift, you should provide this “gift letter” explicitly stating its nature and that it is not a loan.
6. Photo ID: The photo should be recent and in passport style.
7. Renting history: This allows you to guarantee that you can pay your rent bills on time.How long does it take for a loan request to get approved?
It usually takes 10 days from the first contact until the refinance is approved, assuming that all required documentation is submitted and no unforeseen issues take place.What are HOA fees?
The Home Owners Association (HOA) fees are monthly payments made by neighbors living in joint or condominium associations (block of flats or condos) to help maintain the shared areas of residence.What is a down payment?
A down payment is the sum of money, often in cash, used as an initial payment for expensive goods, such as a car or a house. Depending on the loan you choose, it can range from 0%, as in the case of VA Loans (Veterans only), or 3%.What is the principal?
The principal is the sum of money you originally agreed to pay back for your loan or refinance.What is the loan term?
The loan term refers to the period of time it takes to pay off the loan based on the amount and regularity agreed upon initially by both parties.
