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VA Loans for Veterans

VA Home Loans provide prior, current, and Reserve/National Guard members of the Armed Services and certain other government employees with the benefit of home ownership with little or no money down.

If you were honorably discharged, medically discharged or if you are the surviving spouse of a combat injured servicemember you should take the time to discuss your options with a Judge Advocate General attorney and/or your personal financial advisor, such as an accountant to determine what benefits you are entitled to and what forms you will need to apply for a VA Home Loan or Refinance.


In accordance with Executive Order No. 202.9 and Emergency Regulation 3 NYCRR Part 119, we are offering residential mortgage loan forbearance for up to 90 days to New York residents for mortgage loans secured by property located in New York. The forbearance will be available to borrowers who demonstrate financial hardship as a result of the COVID-19 pandemic, including loss of employment and inadequate reserves to make the mortgage payment. The forbearance under Part 119 is not available for FHA loans, VA loans and other loans sold to Fannie Mae, Freddie Mac and other specified instrumentalities or government sponsored entities. Any payments missed due to the forbearance will need to be repaid. To apply, contact us at

If you do not qualify for forbearance under Part 119 or other state guidelines, make all payment(s) to your originating lender and, upon notification that the mortgage loan has been transferred to your mortgage servicer, contact your mortgage servicer for possible forbearance.

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  • Veterans
  • Active duty personnel
  • Surviving spouses of person who were killed in the line of duty or as a result of a service-connected disability;
  • Certain National Guard Members and Reservists
  • Certain spouses of active duty personnel
  1. (a) missing in action,
  2. (b) captured in line of duty by a hostile force,
  3. (c) or forcibly detained by a foreign government
    or power; and – Certain other qualified members.

Benefits of a VA Home Loan

VA Loans have many advantages that make it one of the most appealing paths to home ownership – and this great benefit is reserved exclusively to those who bravely served our country and select military spouses.

Easier to
  • No Down Payment and 100% Financing if the sales price does not exceed the appraised value;
  • No Private Mortgage Insurance;
  • Limits on the amount you can be charged for closing costs;
  • No early pre-payment penalty; and
  • The maximum guaranty amount (for loans over $144,000) is 25% of the 2016 VA Loan Limits as provided by FHFA of $417,000 in most locations and as much as $625,500 in high cost locations. For more details see the current table
  • You don’t have to be a first-time homebuyer.
  • You can reuse the benefit.
  • VA-backed loans are assumable, as long as the person assuming the loan qualifies.
  • CLICK HERE to learn more

Get help with a VA Loan Now

Start here to let our dedicated and knowledgeable staff guide you.

I hereby give consent to be contacted by Veteran’s Choice or its agents at the number provided regardless of any Do-Not-Call (DNC) list status of such number. Telephone provider charges may apply. Consent may be revoked at any time and is not required for service.