Work Hard Mortgage

VA Loan (Purchase)

Zero Down Payment Required

VA guaranteed loans are made by private lenders, such as banks, savings & loans, or mortgage companies to eligible veterans for the purchase of a home, which must be for their own personal occupancy. The guaranty means the lender is protected against loss if you or a later owner fails to repay the loan

Loan Details

No Down Payment Required on purchase
Cash Out up to 100% LTV
DTI as high as 60%
FICO from 560
Loan Amounts up to $2MM
No Mortgage Insurance
Unlimited LTV/CLTV on IRRRLs
Custom Loan Terms Available

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Purchase Transaction (Buying a house)

FICO	LTV/CLTV	DTI
660 +	100%	60%
600 – 659	100%	55%
560 – 599	95%	50%

Cash-Out / Refinance

FICO	LTV/CLTV	DTI
640 +	100%	60%
640 – 639	90%	60%

Who Can Qualify

US Citizen
Active or previously served on active duty in the Air Force, Army, Coast Guard, Navy, or Marines.
Discharged or released from active duty under conditions other than dishonorable or
Members of the Reserves and National Guard are eligible upon completion of 6 years of service;
Surviving spouses of certain Veterans who were continuously rated for a service connected disability, but whose disability may not have been the cause of death are also eligible

Ready to Apply? Let’s Get Started.

If you’re ready to take the next step, you can start your application now. It’s quick, secure, and gives us the info we need to help you move forward.

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