VA Loans

Proudly Serving This Nations's Finest

We here at Coffee Mortgages deeply appreciate the time and energy put forth by our nation's veterans and our hearts go out to surviving military spouses. We will move mountains to ensure qualifying U.S. Military Service Veterans and their families get the most out of their exclusive financial benefits provided by the Department of Veterans Affairs since 1944. With no money down, no mortgage insurance required, low-interest rates and monthly payments, veterans have much to gain by reaching out to a Coffee Mortgage VA loan specialist today.

With just a few pieces of information, we can determine your VA loan eligibility.

We will secure the quickest and easiest VA financing experience in recognition of your sacrifices. Please take advantage of this powerful loan by contacting Coffee Mortgages today.

No down payment (for qualified borrowers)
No mortgage insurance (for qualified borrowers)
Low interest rates
No prepayment penalties
Closing costs can be absorbed by or shared with the seller
Refinancing up to 100% of your home's value

Make Your Next Mortgage Fast and Worry-Free

Looking for a fast and worry-free home purchase or refinance? Go conventional and go with us!

Competitive rates
Down payment options as low as 3%
Fast closings — most in less than 20 days
Options include primary or second homes, investment properties, cash-out refinances and more
Credit score starting at 620
First-time homebuyer programs available
Borrower assistance programs available to help with down payment and closing costs

Get Started

How to prove VA Home Loan Eligibility
To prove your VA home loan eligibility:
- Must be a current servicemember, Veteran, National Guard member or Reservist, or the surviving spouse of a Veteran.
- Active duty personnel must serve 90 continuous days
- Veterans must show 90 or more days of active duty during wartime or 181 days during peacetime
- National Guard personnel must have served in the Gulf War for 90 days or more or have an honorable discharge
- Military spouses must not be remarried, and your late spouse must have died on active duty or died from service related injuries.
Can I still be eligible if I don't meet the standard guidelines?
Your VA Loan specialist at Coffee Mortgages will be able to review your circumstances to determine your VA home loan eligibility. If you served fewer days than required, (see tab above), you may still be eligible if you were discharged because of:
- Hardship
- The convenience of the government
- (RIF) Reduction-in-force
- Certain medical conditions
- Service-related disability
What documents are required?
To apply for your VA Home Loan, we will need to review certain documentation to determine eligibility, such as:
- Certificate of Eligibility (COE) from the VA
- Your driver’s license with the current address
- Social Security number
- Current pay stubs
- Tax returns and W-2s for the past two years
- Current employment information
- Bank account statements
- Information on creditors and on the loans you currently have
If you have any questions regarding these documents, one of our VA Loan Specialists would be happy to help.