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What is a VA Home Loan?

The VA Home Loan Program is one of the best loan programs around because it allows veterans with qualifying income and credit to use their VA entitlement to purchase a home with no money down. VA Loans also offer options for home refinancing and getting cash-out of your home. Though the home must be used as a primary residence, VA Loans come with my benefits that other loan programs do not offer.

Benefits of Using a VA Loan:
  • No Down Payment!
  • No Monthly Mortgage Insurance
  • Low Interest Rates
  • Guaranteed by the VA
  • No Prepayment Penalty
  • Higher Maximum Loan Amounts
  • VA Refinance allows up to 120% of your home's value
  • 15, 20, and 30 year-fixed rate options available
  • Reduced funding fees
VA Loan Eligibility

To start the process either fill out a Quick Online Application or fill out a form by clicking on the 'Check your VA Status' button. We will help you apply for a Certificate of Eligibility from the Department of Veterans Affairs.

After submitting the application to VA they will respond back to both you (eligible applicant) and RanLife Home Loans (qualifying lender) with a Certificate of Eligibility informing us the following.

  • If you have served in the military long enough to earn and use VA Home Loan benefits.
  • The amount of entitlement you may use for the home loan.

VA provides a guarantee to lenders for home loans made to eligible veterans. Because RanLife is an automatic VA Lender we can fund loans faster and provide lower fees and interest rates to eligible veterans.

Fill out our quick online application to get approved for a purchase or refinance.

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Need Some Help?

Loans can be a scary business. Let us help take out some of the fear of the unknown. Call one of our live and local Loan Specialists, or fill out a Quick-Form and we'll contact you.

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"RanLife worked through all the challenges of purchasing a home during the holiday season and made the process easy."

Brady Bryant