VA Loans

VA can fund up to 100% of the purchase price! Same is true for a cash out loan and if you are looking for a rate reduction loan then there is no appraisal required at all. This is called an IRRRL (or a streamline loan) and this particular refinance does not require income documentation either as long as there is a benefit to you and we receive the approval on mortgage credit history. VA charges a funding fee, but you may be exempt from the funding fee if you are a 10% or more disabled veteran.