---
title: VA Home Loan Rates and Requirements | UHM
---

# VA Loans

## Loans for qualified veterans and active duty service members.

![low-monthly-payments-1](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/low-monthly-payments-1.png)

## Little to no down payment

No money down is available for qualified borrowers.

![equal-housing-lender5-Feb-26-2024-07-19-28-9563-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/equal-housing-lender5-Feb-26-2024-07-19-28-9563-AM.png)

## No monthly mortgage insurance required

Pay no monthly mortgage insurance premiums (PMI).

![flexible-mortgage-terms-2](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/flexible-mortgage-terms-2.png)

## Refinance opportunities

Qualified borrowers can refinance their VA loan into another VA loan or another type of loan into a VA loan.

 CALCULATE YOUR MORTGAGE 

[ProductBenefitsMobile ** ](http://sandbox-bedford-capital-uhm-22018491.hs-sites.com/va#productBenefitsMobile)

![low-monthly-payments-1](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/low-monthly-payments-1.png)

## Little to no down payment

No money down is available for qualified borrowers.

![equal-housing-lender5-Feb-26-2024-07-19-28-9563-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/equal-housing-lender5-Feb-26-2024-07-19-28-9563-AM.png)

## No monthly mortgage insurance required

Pay no monthly mortgage insurance premiums (PMI).

![flexible-mortgage-terms-2](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/flexible-mortgage-terms-2.png)

## Refinance opportunities

Qualified borrowers can refinance their VA loan into another VA loan or another type of loan into a VA loan.

### WHY UHM?

## We go above and beyond to deliver a mortgage experience you'll rave about

![we-keep-our-promises1-Feb-26-2024-07-40-24-2921-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/we-keep-our-promises1-Feb-26-2024-07-40-24-2921-AM.png)

## We keep our promises

Our mantra promises that we stand by what we say, exceed expectations with what we do and will treat you like family at every turn.

![industry-experts2-Feb-26-2024-07-41-03-8303-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/industry-experts2-Feb-26-2024-07-41-03-8303-AM.png)

## Industry Expertise

We've been in the business for half a century and have guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership. 

![world-class-service3-Feb-26-2024-07-41-39-0015-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/world-class-service3-Feb-26-2024-07-41-39-0015-AM.png)

## World-class service

From day one to close through each monthly statement, our Partners go the extra mile for every customer and deliver personalized service unmatched in the industry.

![long-haul4-Feb-26-2024-07-13-40-6163-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/long-haul4-Feb-26-2024-07-13-40-6163-AM.png)

## Streamlined process

Mortgages don't need to be complicated. Our process is simple and straightforward. Your loan officer keeps you in the loop every step of the way home.

![equal-housing-lender5-Feb-26-2024-07-43-02-9496-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/equal-housing-lender5-Feb-26-2024-07-43-02-9496-AM.png)

## Equal housing lender

We believe in making homeownership accessible to persons of every race, color, religion, gender, familial status, national origin, military status or disability.

### YOU'VE MADE A DIFFERENCE

## We’ll help you get the loan you deserve

## Don’t wait. Explore your loan options now.