VA Mortgage Loans

The VA program was created to help Veterans become homeowners without a down-payment even if they have low credit sores. The VA loan is insured by the U.S. Department of Veterans Affairs and can be used to purchase or refinance a home.


100% financing / No down payment required.

Higher DTI (debt to income) ratios possible.

Lower interest rates and credit score flexibility.

Who is eligible for a VA home loan?

  • Active Military
  • Veterans who were in uniform for a certain amount of time
  • Reservists
  • National Guard
  • Un-remarried (and certain remarried) spouses of military members who died while in service or as a result of a service connected disability

Have questions? 

Send us a message or give Michael Banham a call at 918-893-5852 

There is a “right program” for every mortgage borrower, but for many, the VA loan stands apart for its combination of low rates, lenient underwriting, and secondary benefits.

Backed by the U.S. Department of Veterans Affairs, VA loans are designed to help active-duty military personnel, veterans and certain other groups become homeowners at an affordable cost.

The VA loan asks for no down payment, requires no mortgage insurance, allows flexible guidelines for qualification among its many other advantages.