VA Loans

You’ve done your part by serving our country, now allow us to serve you by helping you with your VA loan.

More relaxed qualification criteria for veterans

More competitive rates and terms for Veteran’s

Whether your looking to purchase a new or resale home, or looking to take advantage of historically low mortgage rates, we can help you achieve your borrowing goals

Apply for a VA Home Loan

VA Loan Program

The VA does not lend money or issue loans, but instead pledges to repay about 25% of every loan it guarantees in the unlikely event the borrower defaults. That guarantee gives VA-approved lenders greater protection when lending to military borrowers and often leads to highly competitive rates and terms for qualified veterans.

Key Benefits of a VA Loan

The primary benefit of a VA loan over any other loan program is the borrower’s ability to purchase with no money down. Apart from the government’s UDSA’s Rural Development home loan and Fannie Mae’s Home Path, it’s impossible to find a lending option today that provides borrowers with 100 percent financing.

VA loans also come with less stringent underwriting standards and requirements than conventional loans. In fact, statistically approximately 80 percent of VA borrowers would not qualify for a conventional loan. These loans also come with no private mortgage insurance (PMI), a monthly expense that conventional borrowers are required to pay unless they put down at least 20 percent of the loan amount.

Highlights of a VA Loan
  • Competitive interest rates that are consistently lower than conventional rates
  • No prepayment penalties ever
  • More relaxed and higher allowable debt-to-income ratios when compared to many other loan programs
  • Streamlined refinancing loans that require no additional underwriting
  • 0% down payment required on purchase for qualified borrowers

Fast, Easy and Secure Online Mortgage Application
Apply for a VA home mortgage loan
before rates go back up...

Apply Now

Benefits of Obtaining Your VA Loan With Calyx Mortgage

All brokers, loans and lenders are not equal, which is why it’s important to have the right brokerage team on your side.

Faster Loan Closing

Most of our loans closing within a 2 to 4 week time period provided there are no complications or delays submitting documents to us

Customer Service

Unlike the big box banks and one man broker shops, we provide highly responsive and timely customer service to address your needs.

Enjoy the Best Mortgage Rates

As a volume based brokerage, we offer some of the best mortgage rates and terms in the industry. No haggle – No Bait and Switch.

Decide your Terms

We customize each mortgage with the borrower in mind, you determine your down-payment and tenure, and we find you the best lender for your needs.

Personal Loan - Eligibility

Any qualifying veteran are eligible for a VA home loan. We also offer loan programs for Non-Veteran and retired folks.

Down Payment

Minimum of 5% down payment required on purchases

Credit Score

Minimum credit score – usually 620


  • Post-foreclosure: can qualify after 7 years
  • Post-shortsale: Can Qualify after 2 years (LTV restrictions may apply)


Post- bankruptcy: can qualify after 4 years

Employment History

  • Last two years of W2 and Tax Returns
  • Last 4 months of pay stubs

Other Conditions

Other conditions may apply on a case-by-case basis and subject to lenders qualification criteria.