VA Loans

A VA (Veterans Affairs) loan is a mortgage loan program guaranteed by the Department of Veterans Affairs. VA loans are offered to Military Veterans, US Military service members, and eligible surviving spouses. The VA guaranty gives lenders a greater degree of safety and flexibility, which can result in more competitive interest rates than non-VA loans.

For eligible borrowers, VA loans can be easier than standard mortgage financing with 0% down payment, flexible income requirements, and lower credit score options. To see if you are eligible for a VA loan, visit the U.S. Department of Veterans Affairs or contact one of our loan officers.

Your VA Loan


  • 100% financing available
  • Lower interest rates than standard mortgages
  • 0% down payment options available
  • No private mortgage insurance (PMI)
  • Higher debt-to-income ratios
  • Fixed and Adjustable-Rate Mortgage (ARM) Terms Available

This is for informational purposes only and not an offer to lend or extend credit. Subject to credit and income approval. Terms and conditions are subject to change without notice.*

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The results displayed above are only estimates and cannot be used to determine actual loan cost or be used as a guarantee. Please consult your loan consultant for an official estimate.


Conventional Loans

+One of the most common loan programs that offers competitive interest rates and requires...

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VA Loans

+Offering Veterans, US Military service members and eligible surviving spouses benefits t...

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FHA Loans

+Insured by the Federal Housing Administration. Offers down payment as low as 3.5% in add...

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Rural Housing Loans (USDA)

+Government backed loans, lending up to 100% of the home’s appraised value. Qualifying ...

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Jumbo Loans

+Gershman Mortgage offers loan programs for loan amounts greater than the high balance lo...

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First Time Home Buyer

+As part of our commitment to provide the best residential home loans for our customers, ...

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