VA Loans

A VA Loan is Designed to offer long-term financing to veterans. VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans. The mortgage team at is proud to offer VA loans to those in Agawam, Holyoke and Chicopee as well of the whole state of Massachusetts. For more information on VA loans and how to get qualified contact us today at (413)930-4766.

What is a VA Loan?

A mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA). The program is for American veterans, military members currently serving in the U.S. military, reservists. The main purpose of the VA loan program is to offer home financing to eligible veterans to purchase properties for zero percent down.

Certificate of Eligibility

Once you establish you are eligible for VA financing you will need your certificate of eligibility (COE). This document verifies to the lender that you are eligible for VA home loan and establish what down payment you qualify for if any is needed.

VA Loan Benefits

There are many benefits that come with VA home loans. In most cases there is no down payment required, and the interest rates on average are much lower than all other loan types. Another great benefit of VA loans is there is no monthly mortgage insurance premium to pay. Conventional buyers typically pay mortgage insurance unless they have put 20 percent down.

VA Loan Limits

HAMPDEN $453,100.00 $1,000,000
HAMPSHIRE $453,100.00 $1,000,000
WORCESTER $453,100.00 $1,000,000
FRANKLIN $453,100.00 $1,000,000

Get Qualified for a VA Loan Today!

VA Loans are a great option for veterans because they have zero percent down payments and no mortgage insurance. We strive to help veterans and active military in Massachusetts to get approved for a home. If you are a veteran in Agawam, Holyoke, Chicopee or anywhere in Massachusetts we can help. Contact us today at (413)930-4766 for more information or to get qualified!