VA Purchase

A VA loan is one of the few loan programs that offers the benefit of 100% financing, requiring no down payment. With no down payment required, buyers can keep more cash on hand for moving expenses, home improvements, or building a financial cushion, all while securing competitive rates and favorable loan terms.

VA loans offer significant savings by eliminating the need for private mortgage insurance (PMI), typically required for other loan programs with low down payments. Additionally, VA loan fees are generally much lower than those associated with conventional or FHA loans. This gives VA buyers greater purchasing power, allowing them to afford more home for their money.

While VA loans technically have no set loan limits, some lenders may impose their own caps. At APM, we go beyond the norm, offering VA loans up to $5 million, depending on your available entitlement. This expanded flexibility empowers eligible borrowers to pursue higher-value homes without the usual financial constraints.

VA loans are designed to make homeownership more accessible for Veterans, active-duty service members, and eligible spouses. With more lenient credit requirements, higher debt-to-income (DTI) allowances, and no down payment needed, VA loans provide greater flexibility than many conventional loan programs. This makes it easier for qualified borrowers to secure financing, even with lower credit scores or less savings.