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Serving Every Branch
Not affiliated with or endorsed by the Department of Veterans Affairs, Department of Defense, or any military branch.
VA Loan Advantages
Built for those who served.
Why Choose a VA Loan
- No down payment required on most loans
- No private mortgage insurance (PMI) — ever
- Competitive interest rates, often lower than conventional
- Limited closing costs with seller concession options
- No prepayment penalties — pay off your loan early, free
Who Qualifies
- Active-duty service members (90+ days served)
- Veterans with honorable or general discharge
- National Guard & Reserve members (6+ years or activated)
- Surviving spouses of veterans (unremarried, in some cases)
About Us
Guidance from a team that puts veterans first.
At Momentum Mortgage, we believe the men and women who served deserve a home loan experience built on clarity, respect, and expertise. We specialize in VA loans because we know the benefit inside and out — and we make sure you do too.
- VA purchase & refinance strategy
- Personalized guidance at every step
- Clear, honest communication
- Local Virginia expertise
Watch & Learn
Your VA Benefits Journey
See how the VA home loan process works — from eligibility to keys in hand.
Video coming soon
How It Works
From eligibility to closing day — we guide you through every step.
Check Eligibility
Confirm your VA entitlement and obtain your Certificate of Eligibility (COE).
Get Pre-Qualified
Share your financials so we can outline what you can afford — no obligation.
Find Your Home
Shop with confidence knowing your budget and buying power.
Close With Confidence
We handle the details, keep you informed, and get you to closing day.
The Full Picture
We believe in transparency — here's what to know about VA loans.
Advantages
- No down payment on most loan amounts
- No PMI saves hundreds per month
- Interest rates are typically lower than conventional
- Easier qualification with flexible credit guidelines
- Seller can contribute up to 4% toward closing costs
- Reusable benefit — use it again and again
Considerations
- VA funding fee applies (can be financed into the loan)
- Property must be your primary residence
- VA appraisal standards may be stricter than conventional
- Entitlement limits may apply for loans above county limits
Checklist
What You'll Need
- Certificate of Eligibility (COE) — we can help you obtain this
- Meet minimum service requirements (varies by era and branch)
- Property must serve as your primary residence
- VA funding fee (0.5%–3.3%, often financed into the loan; waived for disabled vets)
- Stable income and acceptable credit history (no strict minimum score)
- VA appraisal to confirm property meets minimum standards
Backed by America's Top Lenders
Ready to use your VA benefit?
NMLS #2703160 | Equal Housing Lender