VA has created mortgage programs designed specifically for military personnel, veterans, and surviving spouses of those who have so valiantly served our country.
VA mortgage programs are among the most important benefits available to our military!
We have terms of 10, 15, 20, 25, and 30-year fixed rates available.
Up to 100% Loan To Value for purchase and refinance, including CASH-OUT transactions.
Rental property refinances allowed on the VA Interest Rate Reduction Refinance Loans (IRRRLs)
Jumbo (>$715K) VA program also available.

This program allows service members, veterans, and eligible spouses to buy a fixer-upper and make improvements, or to refinance a home they already own and receive funds for renovations.
VA Renovation Loan Program is a government-backed initiative designed to help active duty military personnel, reservists, veterans, and surviving spouses.
Purchase and refinance options are available — with either option providing funds for minor alterations, repairs, and improvements as part of the same mortgage.
It’s perfect for those looking to do repairs such as repainting, fixture swaps, or accessibility upgrades such as ramps and rails.
And as with other VA loan products, borrowers can take advantage of a “no money down” option along with traditionally low interest rates.
Calvin Lawhorn, Loan Officer

(256) 539-0555 (Office)
(256) 337-3700 (Cell)