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Loan Programs

VA Programs

VA loans honor your service with some of the most valuable benefits in home financing. Available to eligible veterans, active-duty service members, and surviving spouses, VA programs let you buy, refinance, or renovate with terms built around you.

Service member in uniform embracing their family in front of their home

Program Overview

Learn More About VA Loans

Watch this short overview to see how these programs work and whether they could be a fit for your goals.

Loan Options

Explore Our VA Programs

VA Purchase Loan

Exclusive to eligible veterans, service members, and surviving spouses. Offers no down payment, no private mortgage insurance, and flexible credit requirements.

VA Cash-Out Refinance

Lets eligible borrowers replace their existing mortgage with a larger VA loan and receive the difference in cash. Useful for renovations, debt payoff, or other needs.

VA Interest Rate Reduction Refinance Loan (IRRRL)

Also known as the “VA Streamline.” Simplifies refinancing an existing VA loan into a lower rate or better terms, usually with less paperwork.

VA Renovation Loan

Combines home purchase or refinance with renovation financing in one VA-backed loan, allowing veterans to upgrade or repair properties while retaining their VA entitlement.

*The Franzese Group LLC (“the Company”) is a private mortgage broker. The Company is not affiliated with, endorsed by, acting on behalf of, or at the direction of the U.S. Department of Veterans Affairs (VA), the Federal Government, or any other government agency.

Craftsman-style home with an American flag on the porch at sunset

Is It Right for You?

Who VA Programs Are Designed For

Every financial situation is different. Our team will review your goals and help you compare options side by side.

Let’s Talk

Ready to Explore Your VA Options?

Our team will walk you through the programs that fit your goals and answer every question along the way.