VA HOME LOANS
Your service.
Your next chapter.
Explore your VA home loan benefit with a team that will help you understand the process, ask the right questions, and plan your next move.
Talk through my VA optionsRiver Bear Financial is a mortgage brokerage, not a government agency.
START WITH UNDERSTANDING
Clarity at every step.
VA-backed financing has its own eligibility and loan requirements. We’ll help you understand how those requirements relate to your plans.
- 01
Discuss eligibility.
A Certificate of Eligibility helps establish your eligibility for the VA home loan benefit. A lender must also review your qualifications.
- 02
Understand your costs.
Ask about closing costs, the VA funding fee, possible exemptions, and what applies to your situation.
- 03
Plan the purchase.
Talk through the application, property requirements, and the steps toward closing.
A little clarity goes a long way.
Does a Certificate of Eligibility guarantee approval?
No. A COE establishes eligibility for the VA benefit. The lender still reviews income, credit, and other requirements, and the property must meet applicable requirements.
Can I explore VA options before I find a home?
Yes. A conversation can help you understand what to prepare and how a VA-backed loan may fit your plans.
Where can I read the official requirements?
The U.S. Department of Veterans Affairs publishes information about eligibility, the Certificate of Eligibility, and the homebuying process. Use the official resources below for program details.
Official resources: VA home loans · VA homebuying process
Ready for your next step?
Start your secure application or return to your borrower portal.