VA Home Loans

Home Financing For Those Who Served

First-Time Homebuyer Solutions with FHA Financing

At Fairview Lending, we’re proud to serve those who have served us. Based in Cape Coral, Florida—just minutes from the VA Hospital—our team is honored to help veterans and active-duty service members navigate the home financing process with care, respect, and expertise.

One of the most valuable benefits of a VA loan is the ability to finance 100% of the purchase price of a home—no down payment required. Designed specifically for eligible veterans, active-duty military personnel, and qualifying family members, VA loans offer a powerful path to homeownership with unique advantages.

What is a VA Loan?

A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs (VA), created to help service members and veterans purchase homes at competitive rates with fewer restrictions. While the VA guarantees the loan, it is issued by approved private lenders such as banks, credit unions, and mortgage companies.

This guarantee gives lenders confidence, making it easier for qualified borrowers to secure favorable terms—often with no down payment or mortgage insurance required.

Benefits of a VA Loan

• Zero down payment required
• No private mortgage insurance (PMI)
• Competitive interest rates
• Flexible credit and income guidelines
• Higher debt-to-income (DTI) allowances
• Low closing costs

Who Qualifies for a VA Loan?

You may be eligible for a VA loan if any of the following apply:

• You’ve served at least 90 days of active duty during wartime
• You’ve served at least 181 days of active duty during peacetime
• You’ve completed six years of service in the Reserves or National Guard
• You are the un-remarried surviving spouse of a service member who died in the line of duty

Your eligibility for a VA loan never expires, and many veterans use this benefit decades after their service. While the VA does not require a minimum credit score, individual lenders may have their own requirements—typically around a 600 FICO score or higher.

Things To Consider

While VA loans offer incredible advantages, they may not be right for every buyer. If you have excellent credit and can make a 20% down payment, a conventional loan may offer even lower rates. Additionally, VA loans are intended for primary residences only and cannot be used for investment properties or vacation homes.

The Bottom Line

If you’re a veteran, service member, or surviving spouse, a VA loan could be one of the best tools available to help you achieve homeownership. At Fairview Lending, we’re here to help you explore your options and determine whether a VA loan is the right fit for your financial goals.

Let us help you make the most of the benefits you’ve earned. Contact our team today to learn more or start your VA loan application.

Benefits of VA Loans with Fairview Lending

VA loans offer exclusive benefits designed to make homeownership more accessible and affordable for those who have served our country. Backed by the U.S. Department of Veterans Affairs, these loans provide powerful advantages like no down payment, no private mortgage insurance, and flexible credit requirements. Whether you're purchasing your first home, building new construction, or refinancing an existing mortgage, a VA loan can help you achieve your goals with less financial stress and more long-term savings.

• No prepayment penalties — pay off your loan early without extra fees
• Assistance available from the VA if you face financial hardship
• Assumable mortgage — a VA loan can be transferred to another qualified buyer
• Lower average interest rates compared to many conventional loans
• No loan limits with full entitlement — borrow as much as your lender will approve
• Available for purchasing, refinancing, or improving a primary residence