VA Loans
At Three Bays Lending, we’re proud to offer VA Loans—designed to help veterans, active military members, and their families achieve the dream of homeownership. VA Loans provide an affordable and accessible option for those who have served our country. Whether you're a first-time homebuyer or refinancing, our experienced team is here to guide you through every step of the process.
Building Stronger Futures for Our Heroes
Understanding your VA Benefits isn’t always easy. Let us Help.
Our team understands the unique needs of veterans and their families. We make the VA Loan process as smooth and straightforward as possible, providing real-time updates and personalized service to ensure you’re always informed. Contact us today to explore your VA Benefits and Loan options.
No down payment required for VA loans.
Lower interest rates than conventional loans.
No private mortgage insurance (PMI) needed.
Higher loan limits in some areas.
Cash-out refinance option to access home equity.
Streamlined refinance (IRRRL) for lower interest rates with less paperwork.
Finance closing costs into the loan.
Exemptions from VA funding fee for some veterans (e.g., disabled veterans).
Specially Adapted Housing (SAH) grants for home modifications for disabled veterans.
Foreclosure assistance if struggling with payments.
VA loan assumption option for buyers to take over a veteran’s loan.
Property tax reductions in some areas for veterans.
Surviving spouses may also be eligible for VA home loans.
The benefits listed above are available to eligible veterans and service members through the VA Home Loan program. Eligibility requirements vary based on factors such as service history, disability status, and specific circumstances. Not all veterans will qualify for every benefit listed. It's important to consult with a Three Bays Lending Loan Officer to determine your specific eligibility and to learn about the benefits available to you.