VA

VA Loans

Unisource Mortgage Services, Inc.

Looking for a mortgage that caters specifically to military members and veterans? Here at Unisource Mortgage Services we can offer you VA loans with interest rates lower than conventional loans, as well as no down payment required. Plus, our team of experienced professionals are here to guide you through the process every step of the way.


The US Department of Veterans Affairs backs these home loans, which are available through participating licensed lenders like Unisource Mortgage Services. Because VA loans are backed by the government, they have more lenient restrictions, such as a lower credit score requirement than many other loan programs.

What are the benefits of a VA loan?

  • No down payment required
  • No pre-payment penalties
  • No private mortgage insurance (PMI)
  • VA loans are governed by the U.S. Department of Veterans Affairs.
  • 30-, 25-, 20- and 15-year terms are all available with fixed rates.

Who qualifies for a VA loan?

  • Veterans
  • Active Duty Military Members
  • Reservists or Members of The National Gaurd
  • Surviving Spouse of a Veteran

Frequently Asked Questions

  • What exactly is a VA loan?

    A VA loan is a mortgage provided by the United States Department of Veterans Affairs. Active and retired military personnel, as well as their surviving spouses, can apply for VA loans, which are backed by the federal government but issued by private lenders.

  • What are the qualifications for a VA loan?

    • You are on active duty and have served 90 days in a row.
    • You are a veteran who has served for a minimum of 90 days during a war and 181 days during a peacetime.
    • You served 90 days on active duty or six years in the Selected Reserve or National Guard.

  • How much do you have to put down on a VA loan?

    VA and USDA loans do not demand a down payment, which is a huge advantage. Conventional loans normally need a down payment of at least 5%, however some lenders may accept as little as 3%. The minimal down payment for an FHA loan is 3.5 percent.

  • Who finances VA loans?

    VA loans are made by private lenders, such as a mortgage firm or a bank, and are insured by the United States Department of Veterans Affairs (VA). The United States government established the VA home loan in 1944 to assist returning military veterans in purchasing homes without the need for a down payment or excellent credit.

Use our online application to quickly get prequalified for your loan.

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