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    VA Loans

    VA loans, or Veteran Association loans have been designed with favorable loan terms for eligible American veterans, active-duty personnel, and widows of veterans. VA home loans are available for one-to-four family properties, Planned Unit Developments (PUDs), condominiums and manufactured homes.

    A VA loan is a loan guaranteed by the Veterans Association, which allows the borrower to receive 100% financing, meaning that there is no required down payment if the loan amount is within county loan limits.


    • Purchase, rate/term refinance and cash-out refinance options

    • No required down payment*

    • Seller-assistance options

    • Low minimum credit score requirement

    • Flexible repayment periods

    • No pre-payment penalties

    • Available fixed- and adjustable-interest rates

    • Interest rate cap structure: one percent initial/one percent subsequent/five percent life

    To learn more about VA Loans, contact Kevin Kalyan at (516) 851-7967 or with the contact form below, we look forward to hearing from you!

    * Down payment may be required for loan amounts more than VA county loan limit.