The BAH is a military entitlement given to active duty personnel to provide housing for themselves and their families. If you are assigned to permanent duty within the 50 United States and not living in government housing, you can qualify for this important benefit.

While most often used for rental expenses, you can use your BAH to pay a mortgage, giving you the ability to save for the future while building equity in your home.  In addition, BAH benefits put you at an income level needed to qualify for and support a VA Home Loan. Finance a new home with no down payment and use your BAH to pay your mortgage!

The BAH is determined by your pay grade, location, and whether you have dependents. Contact us today to learn about all the ways you can make your BAH work for you.

All veterans, active-duty personnel, Reservists/National Guard members, and un-remarried surviving spouses are eligible for a VA Home Loan but must qualify. To receive financing, you must have a Certificate of Eligibility – a document issued by the Veterans Administration that verifies your eligibility to receive VA benefits. As a VA Approved Lender, we can submit an online request through the Department of Veteran Affairs and receive your Certificate of Eligibility in seconds, making your life easier.

1. Apply for a Certificate of Eligibility. Our licensed mortgage specialists will help you gather the necessary forms.
2. Work with us to ensure you qualify for the best home loan available.
3. Allow us to refer you to a Real Estate agent in our preferred network to find and negotiate a purchase agreement for your new home.
4. We’ll take care of the home appraisal process for you, ordering a property appraisal from a VA assigned appraiser.
5. We are VA authorized to approve and close your loan without waiting for the VA’s review of the credit application.
6. Loan closing. You are now a homeowner!

The VA Interest Rate Reduction Refinance Loan (IRRRL), often referred to as the VA Streamline, is part of a federally insured loan program to help veterans and active duty military refinance their existing VA loan into a lower-interest-rate loan. The underwriting process for the VA Streamline is simplified for military veterans, so you may get a lower monthly mortgage payment without the pain of submitting bank statements, W2s, paychecks and other documents.

VA Streamline refinancing offers competitive home financing interest rates not available to the general public. Unless you are switching from an Adjustable Rate Mortgage to a Fixed Rate Mortgage, the VA Streamline must result in a lower interest rate than the one you currently hold. With a VA Streamline, you may refinance your home with no out of pocket expenses. You can also roll closing costs into the VA loan, making the refinance process even easier.

If you purchased your home with an Adjustable Rate VA Home Loan and would like to enjoy the security and consistency of a fixed-rate mortgage, We can assist you to refinance for a better rate. We have several Fixed-Rate VA Home Loan packages to choose from and can help you decide which option is best for your needs.