VA Loans

VA "No Money Down" Loans:

A major benefit of the VA No Money Down Program is that it gets you, the borrower, into your new home with no money down. And what's more, most of the closing costs can be included in the loan. Goldman & Klein specializes in helping veterans achieve their dream of home ownership. We offer free counseling from start to finish. Visit our VA Loans FAQ page with questions. If you are a Native American Veteran, please see our VA Native American Veterans.

How will I benefit?

Certificate of Eligibility

To qualify for a VA loan, you need to request a Certificate of Eligibility, whether you are a first-time homebuyer or you are on a second or third home purchase. At Goldman & Klein, we will help you get your Certificate of Eligibility. Fill in the contact form below, and a loan officer will contact you within 24 hours.

You Are Eligible if:

• You are an active duty serviceman or woman with stable employment
• You have had 90 days or more of active duty service during wartime
• You have had 181 days of active duty service during peacetime
• You received an honorable discharge, or any circumstances other than dishonorable
• You are the surviving spouse of a Veteran who died during service or because of service-related injuries and you have not remarried.

VA loans require stable employment for at least two years. Your employment must also be expected to continue during the foreseeable future. Any gaps in employment must be explained to your loan officer. A VA buyer must also show he or she has some left over income after the mortgage payment each month, so wait on buying your truck or buying your car until after the new loan is processed. Your circumstances are unique to you, and to make your loan the best it can be, we would advise you call or fill out the contact form, and you will be one step ahead in the process of owning your own home. If you already have a VA loan, and want a quick refi, call us now.

"We found a 4-bedroom home in a great neighborhood. Then we contacted Goldman & Klein. Ken, a veteran himself, took the time to walk us through the whole loan process. Thank you, Ken, you made us happy new homeowners." Cpt. Charles Jastre, US Army

Call 1-858-602-7800 for a free VA loan consultation

Remember, VA-guaranteed financing is a benefit which Congress intended eligible veterans should have when they want to buy real estate. If you are a member of the army, navy, air force, marines, coast guard, or the reserves, if you are a veteran home buyer or know of one, it makes sense to look into the VA loan program as a good way to finance a home purchase.