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Veteran Affairs (VA) Home Loans for Active Military & Veterans

During and after your military career, we are committed to helping you buy a home with a zero down payment loan.

A heartwarming embrace between a mother in uniform and her giggling child, donning a matching cap.

It's Our Turn to Serve You

As a VA home loan provider, we are proud to offer you specialized benefits to make buying a home more affordable. Our mortgage loan officers will use their knowledge and experience to partner with you every step of the way to ensure the process goes smoothly.

What is a VA Home Loan?

A young girl sprints towards her father, an African-American man donning the distinguished attire of a military uniform. Her arms are wide open, mirroring the grin that stretches across her face. Her outfit is a medley of childhood favorites: a white T-shirt, a frilly pink tutu, and trusty blue jeans. The soldier, her father, is a blur in the background, only the back of his head and a sliver of his shoulder visible, but his arms are outstretched, ready to embrace his little girl.

 

A VA home loan is an exclusive benefit for eligible military service members and veterans. VA home loans are backed by the U.S. Department of Veterans Affairs (VA) and provided through qualified lenders like Johnson Financial Group.

Benefits of a VA Home Loan

Zero down payment financing

No private mortgage insurance

Fixed loan rates

Low rates and low closing costs

Reasonable credit qualifications

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Who is eligible?

Two distinguished veterans, brothers-in-arms, share a moment of camaraderie on a peaceful pier. To the left, a gentleman of the greatest generation, his cap a testament to his service in WWII and Korea, a warm smile gracing his face. To the right, a Vietnam Veteran, his cap a symbol of a different era, yet the bond of service unites them. Both men, in their own way, embody the spirit of duty and honor.

 

The following  may be eligible for a VA home loan:

  • Active and retired military, including:
    • reservists
    • National Guard members
    • surviving spouses 

Speak with a trusted mortgage loan officer to understand if you may qualify.

How does a VA Loan work?

Confirm VA eligibility

Contact Johnson Financial Group, a VA approved lender, to be sure you meet the qualifications established by the VA.

Gather your information

Gather your personal and financial documents and complete the loan application online or in person with a loan officer.

Pre-approval

We will review your income, assets and credit for eligibility. Once approved, your loan officer can provide a pre-approval letter to give to your realtor before you begin looking at homes.

Make an offer

Once you know how much house you can afford, it's time to go house hunting. When you find your perfect home, your pre-approval will allow you to make an offer quickly.

Closing

Your closing documents will be sent to the title company and you choose your closing day.

Financial Solutions Designed for You

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Checking Your Way

Find an account to best fit your life. Our advisors will learn what is important to you to make managing your money easy and worry-free.

LEARN MORE about our checking account options.
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Savings & Money Market

Be prepared for life’s little surprises with a savings or money market account. If you're just starting to save, building an emergency fund, or saving for something special, we can help you reach your goals.

LEARN MORE about our savings and money market options.
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Financial Planning

Developing a sound financial plan is essential to achieving your long-term retirement goals.

LEARN MORE about the options you have to make your retirement financially secure.

Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. Conditions, terms, and restrictions, including property and flood insurance, will vary based on loan program selected and property location. 

Howard Cagle
Howard Cagle, VP, Senior Mortgage Loan Officer, Madison, WI

Your Trusted Mortgage Loan Officer

Whether you are buying your first home or moving into a new home, we will be there to guide you every step of the way.

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