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VA Loans

Valor Mortgage helps veterans who currently or plan to live in Tennessee own their home through the help of a VA loan.

How Do VA Loans Work in Tennessee?

VA loans offer Veterans an incredible path to homeownership. Designed specifically for veterans and active military personnel, these loans are backed by the U.S. Department of Veterans Affairs, providing unique benefits that make buying a home more accessible.

These loans are not directly issued by the VA, but they are guaranteed. This means we're able to provide the loan to eligible borrowers, and the VA guarantees it. Because the loan is backed by the federal government, there's no need for private mortgage insurance (PMI), which typically comes with conventional loans. This federal guarantee makes VA loans a more affordable and appealing option for veterans and active military personnel.

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Benefits of a VA Loan


No Down Payment 

VA loans are one of the few home loan options that do not require a down payment, making homeownership more accessible for veterans and active military personnel.


Lower Interest Rates

VA loans generally provide interest rates that are significantly lower than those of conventional loans. which frequently change based on many factors.


Reduced Funding Fees

Some borrowers qualify for a reduced VA funding fee on a purchase mortgage or even be exempt from these fees if they receive service-connected disability compensation.

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Lifelong Benefits

The VA entitlement, which enables borrowers to make no down payment and determines the loan guarantee amount, is a lifelong, reusable benefit.

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VA Loan Requirements.

According to the VA, loan eligibility typically requires one of the following:

  • 90 days of service during wartime
  • 181 continuous days of active service during peacetime
  • 6 or more years of service in the National Guard or Reserves

VA loans also require:

  • Funding Fee Payment
  • Requirement to move into your new home no more than 60 Days after purchase
  • The loan be used for primary residence

Ready to Apply for a VA Loan?

Fill out the form to contact us, or give us a call!

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