Take Advantage of Your VA Benefits!
VA Home Loans for active military and veterans in Minnesota and Wisconsin
$0 Down Payment
Purchase with zero down payment up to $453,100
No Mortgage Insurance
Save hundreds monthly compared to conventional loans
Competitive Rates
Lower interest rates than conventional loan options
Why Choose a VA Home Loan?
Thousands of veterans use their VA Loan benefit every month. Let us help you purchase a home in MN, WI, or SD with ZERO DOWN payment, or refinance your existing VA loan to today's competitive interest rates.
VA Loan Advantages
- $0 Down Payment Required
- No Mortgage Insurance (PMI)
- Competitive Interest Rates
- Lower Closing Cost Limits
- No Prepayment Penalties
Conventional Loans
- 5-20% Down Payment Typically Required
- Mortgage Insurance Required
- Higher Rates for Low Down Payments
- Stricter Qualification Guidelines
VA Loan Benefits Explained
Zero Down Payment Advantage
VA Loans allow active military and veterans to buy a home with ZERO DOWN and finance 100% of the home's purchase price. While conventional loans often require 10-20% down, VA loans make homeownership accessible without massive upfront costs.
No PMI = Significant Savings
VA Loans offer enormous savings by eliminating Private Mortgage Insurance (PMI). Conventional and FHA loans require monthly PMI when financing more than 80% of the home's value, adding hundreds to your monthly payment.
Easier Qualification
VA Loan guidelines are more flexible than conventional loans. Because the VA guarantees the loan, lenders can offer more lenient qualification standards while maintaining responsible lending practices.
Complete VA Loan Advantages
- No down payment required - Unless the purchase price exceeds the appraised value or current loan limits
- Closing cost limitations - VA restricts which closing costs can be charged to veterans
- No prepayment penalties - Pay off your loan early without any penalties
- Increased loan limits - Maximum VA loan amounts now match conforming loan limits
- Forbearance options - Assistance available during temporary financial difficulties
- Financial counseling - VA provides support to help veterans avoid foreclosure
- Competitive interest rates - Rates comparable or better than conventional loans
- Seller-paid costs - Sellers can pay all closing costs, making home purchase possible with $0 out-of-pocket
VA Streamline Refinance (IRRRL)
If you already have a VA home loan, you can refinance to a lower interest rate and payment through the Interest Rate Reduction Refinance Loan program. In most cases, no appraisal is required, making the process quick and easy.
Ready to Use Your VA Benefits?
Apply online now - optimized for mobile devices and easy completion