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Perennial Funding > Loan Options > VA Loans

VA Loans

If you’ve served in the military, you may qualify for quick approval with a Veterans Administration loan. Designed to offer long-term financing to eligible American Veterans or their surviving spouses.

  • Competitive interest rates.
  • Guaranteed by the Department of Veteran Affairs.
  • Growing in popularity.
  • VA agrees to cover up to 25% if borrower defaults.
  • Appraisal process typically takes 10 days or less.
  • Lower interest rates, fewer fees.
  • A Veteran can use VA eligibility more than once.
  • You can refinance with a VA loan.
  • Extra money for improvements.

Myth: VA loans require perfect credit scores.
Fact: Most VA lenders look for a 620 credit score.

Myth: Veterans are guaranteed a VA loan.
Fact: No one is guaranteed a loan, even service members with VA loan entitlement.

Myth: Any modern home loan requires a big down payment.
Fact: The VA loan is one of the only mortgages that doesn’t require a down payment.

Myth: You can’t get a VA loan if you have a foreclosure/bankruptcy in the past.
Fact: VA loans are more forgiving than other loan products. Getting a new conventional loan after foreclosure requires a 3-year waiting period; bankruptcy requires a 2-year wait.

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Our Assumptions

  • Mortgage rates could fluctuate daily.
  • Based on your situation, your payments may vary.
  • See what products are available in your state.
  • Certain jumbo products might not be available to you if you’re a first-time buyer.
  • Some lending services might not be available in all areas. See what’s available to you.
  • Some restrictions may apply.
  • The lock period for your rate is 45 days.
  • Perennial Funding offers a variety of options. You may still qualify for a loan even if your situation doesn’t match our assumptions. Consult us to find what’s available in your area, and what best solutions are for you.

NMLS #247954
Click here for the Perennial Funding NMLS access page.

Perennial Funding LLC, 161 Washington St. Suite 950, Conshohocken, PA 19428

Loan programs are subject to credit approval. Other terms, conditions, restrictions and fees may apply. All of the information on this website is published in good faith and for general information purposes only. Perennial Funding does not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk and we will not be liable for any losses and damages in connection with the use of our website. The content in this website should not be construed as a mortgage loan commitment. From our website, you can visit other websites by following hyperlinks to these sites. While we strive to provide only links to useful and ethical websites, we have no control over the content and nature of these sites and the links to other websites do not imply a recommendation for all of the content found on these sites. Please be aware that when you leave our website, other sites may have different privacy policies and terms, which are beyond our control. Thank you for visiting Perennial Funding's website.
*By refinancing your existing mortgage your total finance charges may be higher over the life of the loan.

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