VA Loan | VA Home Loans | Mortgages for Veterans

VA Home Loan

Active duty military personnel and veterans qualify for a special loan program.
Learn more about how a VA loan can help you.

You fought for us—now we’d like to return the favor. Get started by filling out our form or calling

By providing my contact information, including my phone number, and clicking the "submit" button, I am verifying that this is my phone number(s) and that I consent to receive telemarketing calls and messages from Total Mortgage Services, LLC, NMLS #2764, our affiliates (Total Financial Services, Total Energy, Yellowbrick Reality, America’s Realty Network, together “Total Mortgage Services”) via any means, including, but not limited to, the use of automated telephone dialing systems; pre-recorded voice messaging in connection with calls; or texts (SMS and MMS) made to any telephone number I have provided, regardless of whether such telephone number is currently listed on any do not contact E-mail list, internal, corporate, state, or federal do not call list. I understand that I am not required to provide such consent as a condition of utilizing Total Mortgage’s services. I further understand that I may choose to be contacted by one of Total Mortgage’s customer service associates via email, rather than phone or text messages, by clicking here [email protected], or by calling 203-647-8080. For additional information regarding our privacy policy, please visit

What's a VA home loan?

A VA home loan is partially backed by the U.S. Department of Veterans Affairs and is available only to people who have served in the military or their surviving spouses. VA loans are easier to qualify for, and offer some incredible benefits.

Benefits of VA loans

At the moment, VA loans are some of the most appealing loans out there, and for good reason:

  • No down payment required. This is big. No-money-down loans are a dying breed, and this is one of the few remaining programs giving borrowers this option.
  • No mortgage insurance required. Generally, the trade-off for programs that allow you to contribute minimal equity up front (like an FHA mortgage) is that they then insist you buy mortgage insurance. This is not the case with a VA home loan.
  • No minimum credit score. VA Home Loans generally require no credit score, however this varies from lender to lender.
  • Lower closing costs. Veterans Affairs limits the amount you can be charged for closing costs.
  • Help for struggling homeowners. Veterans Affairs will also work with your lender on your behalf to help you avoid foreclosure.

Other factors you should be aware of:

  • VA loans are only available for primary homes—no vacation or investment properties.
  • Fees will still apply. They may, however, be lower, and a down payment can often shrink them even further.

VA loan qualification requirements

Qualification requirements vary depending on military experience:

  • Active-duty personnel qualify after about six months of service, or even less if they serve during wartime.
  • National Guard and Reserve members qualify after six years, or less if they’re called to active duty or serve during wartime.
  • The spouses of service members who died on active duty are also eligible.
  • If you have a history of military service, there’s a strong chance that you qualify.

As with any government program, there will be a few documentation hoops to jump through. Check with the Department of Veterans Affairs or contact a mortgage professional to see what you’ll need.

Okay, why pick Total Mortgage?

Total Mortgage employs veterans like yourself who have been through this exact process and can give you the guidance you need to find the best VA loan for you and your family.

  • Our veteran mortgage experts will educate you as you move through the mortgage process.
  • No pre-payment penalties— you have the freedom to pay off your loan as quickly as you want.
  • We have some of the lowest interest rates in the country, which can save you heaps of cash over the course of your new VA loan.
  • We close new purchase loans in thirty days or less—guaranteed.*

Ready to learn more? Call 203-349-9772 or request a consultation with a VA mortgage expert today!

*terms and conditions apply

VA Mortgage Loans are reserved for our honorable servicemen and women. If you've served your country, you've earned special access to a VA-sponsored mortgage program. A VA loan requires:

  • No down payment
  • Less Stringent qualifications
  • Lower closing costs

Why choose Total Mortgage?

  • We have some of the lowest interest rates in the country, which can help you save big over the course of your loan
  • We educate our borrowers as they move through the process
  • We’ll close your loans in 30 days or less, or we’ll pay your first mortgage payment*