For those who have served our country, homeownership should feel within reach—and thanks to VA Loans, it truly is. These government-backed loans, available exclusively to eligible veterans, active-duty service members, and certain military spouses, offer some of the most valuable benefits in the housing market today.
As a real estate professional, Lanissa Fortner and the 4 Seasons Real Estate team are honored to help our local heroes make the most of this incredible opportunity.
What Is a VA Loan?
A VA Loan is a mortgage option guaranteed by the U.S. Department of Veterans Affairs. The program was created to help veterans achieve the dream of homeownership without the traditional financial hurdles that often come with buying a home.
Key Benefits of a VA Loan
Here’s what makes VA Loans such a powerful tool for buyers:
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No Down Payment: One of the biggest advantages—qualified borrowers can finance up to 100% of the home’s value.
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No Private Mortgage Insurance (PMI): Unlike conventional loans, VA Loans don’t require monthly PMI payments, saving buyers hundreds each month.
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Competitive Interest Rates: VA Loans often come with lower rates than conventional loans, making monthly payments more affordable.
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Flexible Credit Requirements: The VA program offers more leniency with credit scores, helping more veterans qualify.
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Lifetime Benefit: Once you’ve earned your VA Loan eligibility, it never expires—you can use it again and again.
Who Qualifies for a VA Loan?
VA Loan eligibility generally includes:
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Veterans who have met minimum service requirements
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Active-duty service members
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Certain members of the National Guard or Reserves
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Surviving spouses of veterans who died in service or from a service-connected disability
If you’re not sure whether you qualify, Lanissa and her team can help you connect with trusted local lenders who specialize in VA financing.
Why It Matters
Owning a home is more than just having a place to live—it’s about stability, equity, and building a future. For veterans, VA Loans are a well-deserved benefit that helps make that future possible.
As Lanissa Fortner puts it:
“Our veterans have sacrificed so much to serve this country. Helping them find a home—and take advantage of the benefits they’ve earned—is one of the most meaningful parts of what we do.”
Ready to Get Started?
Whether you’re buying your first home or refinancing your current one, a VA Loan might be your key to unlocking the next chapter.
