VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

The VA (Veterans Administration) loan program allows for up to 100% financing on Primary residence purchases or refinances for all eligible service members. The VA will also allow for up to 6% sellers assist, meaning in most cases you can purchase a home with almost no money out of pocket. Cash out refinances are eligible up to 95% of the home’s value.

The minimum credit score for VA loans is 640, and in certain circumstances as low as 620.

The benefit of dealing with BHS Mortgages Residential & Commercial is that we work with multiple lenders at all times, and we have the flexibility to negotiate to get you the best rates and fees on the transaction.