VA Loans

Veterans Administration (VA) mortgage loan program is for active, non-active, reserve, National Guard, and retired military members.

Benefits of VA Mortgages

Most VA loans offer no down payments, low interest rates, and no requirements for mortgage insurance. The VA sets the mortgage conditions and guarantees a part of the loan amount which serves as the down payment for the transaction. The lender provides the financing for the home.


Borrowers will still need approval by a qualified mortgage lender under VA loan rules to secure this type of mortgage.

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VA Loan Eligibility

Veterans who have actively served during World War II and later are eligible for VA loans; excluding those who were dishonorably discharged. Veterans with service only during peacetime and active-duty military personnel must have had more than 180 days of service.

World War II, The Korean Conflict, and Vietnam era veterans must have at least 90 days of service. Veterans who have enlisted service time beginning after September 1980 or officers with service time beginning after October 1981, must have served at least 2 years.

Documentation Needed

There are three documents a mortgage banker will need to determine if you are eligible for a VA loan. A DD214 for discharged veterans, a statement of service for active military members, and a certificate of eligibility to determine VA entitlement.

A Better Loan Awaits You

Reliability in Lending mortgage bankers are here to help you through the process of acquiring a VA loan. Our originators have the knowledge and experience to get you the best rate possible for your VA loan.

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