VA Loans

At Alpha Mortgage, we see the VA Home Loan as far more than a mortgage program—it’s a hard-earned benefit for veterans, active-duty military, and eligible surviving spouses. We are honored to serve those who have served by making homeownership possible through one of the strongest loan options available today.

Call Today! (910) 861-0674

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What Are VA Loans?

Backed by the U.S. Department of Veterans Affairs, VA Loans are designed to give service members and their families affordable, accessible financing. Compared to conventional mortgages, VA Loans often feature easier qualification, fewer out-of-pocket costs, and highly competitive terms.

Who Can Qualify?

Eligibility is determined by service record and discharge status. You may be eligible if you are:

  • Currently serving on active duty and meet the required service period
  • A veteran who has satisfied minimum service requirements
  • A member of the National Guard or Reserves who has completed the necessary service time
  • A surviving spouse of a qualified veteran

Alpha Mortgage can assist you in obtaining your Certificate of Eligibility (COE) so you can move forward quickly.

Down Payment & Funding Details

One of the standout advantages of VA financing is the no down payment requirement, allowing you to finance up to 100% of the purchase price. Other major benefits include:

  • No monthly PMI (private mortgage insurance)
  • Low, fixed interest rates
  • Capped closing costs for veterans
  • Funding fee can be rolled into the loan or waived for disabled veterans

VA Loan Benefits at a Glance

  • $0 down payment (in most cases)
  • No private mortgage insurance
  • Flexible credit and income standards
  • Competitive rates to keep payments low
  • Reduced or waived funding fee for eligible disabled veterans
  • Limited closing costs compared to other loan programs
Call Today! (910) 861-0674