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VA Loans

About 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.

Gershman Mortgage prioritizes homeownership for veterans, and we thank you for your service! 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, contact one of our loan officers.

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VA Loan FAQs

  • What are the benefits of a VA loan?

    • 0% down payment options available
    • No private mortgage insurance (PMI)
    • Higher debt-to-income ratios

  • Who qualifies for a VA loan?

    If you have served in the Armed Forces and/or are a surviving spouse, you may qualify for a VA loan. Talk with a Gershman Mortgage loan officer to see if you meet eligibility requirements.

  • What is the maximum loan limit for a VA loan?

    There is no maximum loan limit amount for VA loans.

  • Do I need a down payment with a VA loan?

    One of the many benefits of VA loans is that no down payment is required.

    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.