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VA Loans – Fixed-rate and ARMs, high-balance

Our military borrowers deserve unique benefits. Our VA loans provide them.


VA Loans – Fixed-rate and ARMs, high-balance

VA loans are guaranteed by the U.S. Department of Veterans Affairs (VA) and are a valuable benefit for military veterans and active servicemen and women. This federal guaranty enables us to offer easier qualifying guidelines and low down payment options.


0% Down Payment

A minimum credit of 580 is required for fixed-rate financing.

Borrowers with credit scores from 580 to 619 are subject to stricter guidelines*.

Adjustable-rate mortgages (ARMs) require a minimum 620 credit score.

High balance loans: If you're buying a home in a high-cost area, you may qualify for up to $2.5 million in loan funds.

Allowed property types include single-family residences, 2-4 unit properties, VA-approved condominiums, manufactured homes, properties in Planned Unit Developments (PUDs).

Financing for purchase and refinance loans for primary residences**

* Borrowers with credit scores from 580 to 619 may only qualify for purchase transactions of one-unit single family residences. Gift funds and down payment assistance is not allowed. 
**Interest Rate Reduction Refinance Loans (IRRRL) may be non-owner occupied if initially a primary residence.



Caliber is committed to assisting more borrowers with achieving their dreams of home ownership by providing affordable, personalized lending solutions. Your local Caliber Loan Consultant can help you apply for financing and answer all of your questions about military services.

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How much can I borrow?

The loan process many times boils down to what you can afford. A good way to check your potential finances is to utilize a monthly payment calculator such as the one found here with Caliber.

Go to Calculator

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