VA Loan

You served our country, let us serve you. You’ve earned VA loan benefits—a powerful tool to help you achieve homeownership with no down payment, competitive interest rates, and flexible terms.

Whether you’re buying a home or refinancing, we’re here to guide you through the process and help you secure your future, just as you’ve secured ours.

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What is a VA Loan?

A VA loan is a government-backed mortgage available to active duty service members, Veterans, and surviving spouses, offering incredible benefits including no down payment, competitive rates, and no private mortgage insurance. VA loans are made by private lenders and mortgage companies like RWM Home Loans and not the Department of Veteran Affairs.*

*RWM Home Loans is not sponsored by the Department of Veterans Affairs or any other government agency.

To fulfill President Lincoln’s promise to care for those who have served in our nation’s military and for their families, caregivers, and survivors.
Veteran Affairs Mission Statement

VA Loan Process

Getting pre-approved for a VA loan can not only speed up the home buying process and put you in a better position when making an offer.

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How Do VA Loans Work?

Fixed-rate monthly payments are based on interest rate, principal loan amount, and amortized interest over 15, 20 or 30 years. Your payment will not change throughout the life of the loan
Adjustable-rate mortgage (ARM) interest rates are fixed for a period of 5 years. After the fixed-rate period, your interest rate can adjust up or down depending on the market and change your monthly payment
Pay your mortgage at any time without pre-payment penalties

VA Loan Benefits & Highlights

As low as 0% down payment
Loans as high as $2.5 million
Cash out up to 100% LTV
Up to 50% debt-to-income ratio
Can use entitlement many times to buy homes using your VA benefits
No appraisal for IRRRL refinance (Interest Rate Reduction Refinance Loan)
No mortgage insurance
All closing costs may be paid by seller or lender
Competitive interest rates
Flexible underwriting guidelines
Non-occupant co-borrowers allowed to help qualify
21-day closings with Certified Pre-Approval
Owner-occupied single-family residences, VA approved condos, and 2-4 units

Add Value to Your Military Lifestyle

Permanent Home

Financial Stability

Community Belonging

Generational Wealth

Freedom of Ownership

Put Down Roots

Types of VA Loans

Homeowners can explore different VA loan options depending on their specific financial needs.

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Home Purchase

VA loans assist Veterans in purchasing homes at competitive interest rates, typically without down payments or private mortgage insurance.

Cash-Out Refinance

Homeowners can access cash from home equity by refinancing their mortgage for a larger amount than the current loan balance.

Interest Rate Reduction Refinance Loan (IRRRL)

The VA Streamline Refinance Loan, or Interest Rate Reduction Refinance Loan (IRRRL), assists existing VA loan borrowers in refinancing to lower interest rates or switching to fixed rates without needing a new Certificate of Eligibility.

Permanent Change of Station (PCS) Checklist

Relocating as a military family involves unique challenges that civilian moves don’t typically face. To make your transition smoother, consider these steps to prepare for your upcoming PCS:

VA Loan FAQ

RWM Government Loan Center

The GLC is a specialized branch within RWM that focuses exclusively on VA home loans. With over 100 years of combined VA loan experience and thousands of successful closings, our team is here to answer all your questions, guide you through the application process, and make buying a home stress-free. 

Veteran
Centric

We take great pride in our service to our
active-duty military, Veteran families
and Realtor community, and are
invested in their success.

Government
Approved

Approved with government entities,
our underwriters have the highest
level of delegated underwriting
authority.

Unique
Circumstances

Whether you have income, credit,
or qualifying challenges, we tailor
our financing solutions to meet
your unique needs.

Community
Lender

We are proud to have over
30 years in the business and
we are truly committed to
supporting your goals.

Purchase Market
Specialists

We understand the demands
and pressures of a competitive
housing market and the importance
of closing on time.

We Are VA Loan Specialists

Our loan officers are equipped with a deep understanding of VA loans. They are experienced in helping veterans, active-duty service members and their families navigate the homebuying process using their VA loan benefits. From securing competitive interest rates to ensuring no down payment options, our team is dedicated to making homeownership accessible for those who have served.

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VA Loan Victory: Securing One’s Financial Future

The Jacksons who bought their home in 2018 for $400,000 and earned a 4% average appreciation for 5 years. In 2023, their home was worth $486,660. After 5 years of making payments, their principal balance had gone to $358,788. The Jacksons had gained $127,872 in equity. If you considered the fact they stopped paying rent 5 years ago and became homeowners, the Jacksons have had a positive $217,872 swing in net worth!

Wealth Building

$127,872 Equity in 5 Years

Start Paying Yourself

Are You Paying Your Landlord’s Mortgage?

Missed Opportunity

What Is the Cost Over 5 Years?

$
Rent Paid Out
$
Equity Lost

$217,872 Swing in Net Worth
Over 5 Years

Mortgage Lending Simplified

Download the free RWM Home Loans Fluid Mobile App today and get started on your journey to homeownership.

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Constant communication of needs and issues. Drafting of key documents in timely way. Friendly interactions and commitment to service.
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Good communication, great staff and high level of professionalism.
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The team was tremendously attentive to our every need and only had our goals and best interests in mind. Would work with them again anytime.
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Everyone on the team was really professional, helpful and dedicated to make the whole process as smooth as possible. Whenever we had a question or concern, we always received a prompt reply.
Andriry K.Company Name
Extremely responsive, website was brilliant, clear list of what we needed and stayed on us until it was complete, knew who to send us to for tax transfer from our previous house. We will definitely refer our friends and family to RWM.
Kirk C.Company Name
The communication on the process and the ability to sign documents electronically was a life saver. The availability and speed of answers were great.
Angelina B.Company Name
You helped me understand all my options, which made me feel more confident in the decision I had to make. You were on top of everything that had to be done and kept things moving in an efficient way.
Julie M.Company Name
The team was easy to work with and willing to answer all of my questions. They even worked with a notary in North Carolina so I didn’t miss my vacation.
Melody T.Company Name
Everything was fully explained from the beginning, and I felt like we worked as a team when we went step by step in our journey of getting financed for our first home.
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Buying a house can be overwhelming but when you have someone you trust it makes it so much easier. We felt assured that we were in good hands and that we would get to the finish line during the escrow process.
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