Explore our rates todayView all rates

VA Loan

VA Loan

Honor and Support for Veterans
VA Loans are a highly valued home loan option for a significant reason. If you're a qualifying veteran or service member who seeks lower or no down payments, less stringent credit requirements, and the predictability of a fixed interest rate, it's time to look into the benefits of VA Loans.

Empowering you to buy the home you deserve

It only takes 3-minutes to explore your options, and it won’t affect your credit score — no commitment required.

Today's Mortgage Rates

Legal Disclosure & Assumption

VA Loan Requirements

No Minimum Credit Score

VA loans don’t typically have a minimum credit score, but lenders usually look for a score of 620 or higher.

No Down Payment Required

VA loans do not require a down payment.

1% – 3% In Closing Costs

You’ll need 1% – 3% of the total purchase price to cover closing costs.

Debt-To-Income Ratio ≤ 41%

You’ll need a debt-to-income ratio (DTI) of no more than 41%.

VA Loan Benefits

No down payment requirement
Making homeownership more affordable for eligible veterans, active-duty military personnel, and their spouses.
Lower interest rates compared to conventional loans
resulting in potential cost savings over the life of the loan.
No private mortgage insurance (PMI) requirement
reducing monthly expenses and potentially saving borrowers money.
Additional VA benefits and assistance available
such as support for disabled veterans and access to refinancing options.

VA Loan Loan Options

VA 15-Year Fixed
The VA 15-year fixed mortgage offers the assurance of a fixed, relatively lower monthly mortgage payment for its short span, supporting our service members.
VA 25-Year Fixed
The VA 25-year fixed mortgage provides the serenity of a consistent, comparatively lower monthly payment over a quarter of a century, aiding those who've served.
VA 30-Year Fixed
The VA 30-year fixed mortgage offers the tranquility that comes with a secured, lower monthly mortgage payment, beneficial for our veterans and service members.

See what's possible

Use our calculators to see what homeownership could look like for you.


A few clicks can mean years of savings

Refine your mortgage now to save money and enjoy future financial benefits.



Buy a home:

Seamless Home Purchase Solutions

Explore personalized mortgage options tailored to your needs.


Mortgage Solutions

Discover your true buying power with our

Learn from our experience


Most of customers who sell and buy with Pacificwide recommend us.

(0 reviews)

See our reviews on Google

Gain a better understanding of your mortgage payments

Get expert tips straight to your inbox

Discover ways to increase your home's value and stay on top of local trends.

Pacificwide Real Estate

We connect you with the most up-to-date real estate tools for your home search and save more with us.

Pacificwide mortgage

We provide 24/7 customer support and secure platform for 100% online mortgage application.

Pacificwide property management

Get free repair estimates and rest easy with our property management team.



Loan Processors & Real Estate Agents

Terms Of Use

Email And Text Policy

Privacy Policy



3005 Silver Creek Rd STE 210-214, San Jose, CA 95121

San Jose, California, 95121

(408) 532-1278


Pacificwide is a Bay Area real estate & mortgage company that serves all your homeownership needs, NMLS Unique Identifier #272883. ©2023 Pacificwide Real Estate & Mortgage. All Rights Reserved.

Do you have any questions? We are here to help!