{"id":1042,"date":"2020-08-07T13:31:29","date_gmt":"2020-08-07T13:31:29","guid":{"rendered":"https:\/\/baycoast.bank\/?p=1042"},"modified":"2023-06-13T21:55:02","modified_gmt":"2023-06-13T21:55:02","slug":"buy-or-improve-your-home-with-a-va-loan","status":"publish","type":"post","link":"https:\/\/baycoastmortgage.com\/en\/insights\/buy-or-improve-your-home-with-a-va-loan\/","title":{"rendered":"Buy or Improve Your Home With a VA Loan"},"content":{"rendered":"<div class=\"lazyblock-resource-hero-Zh69dY wp-block-lazyblock-resource-hero\"><div class=\"noHero\" style=\"height: 10rem;\"><\/div>\n\n<div class=\"spacer\"><\/div>\n\n<div class=\"section\">\n\t<div class=\"smallWrapper gutenberg\">\n\t    \n\t    <div class=\"categories flex\" style=\"justify-content: flex-start;\">\n\t\t\t<div class=\"h6\" style=\"margin-right: 2rem;\"><a href=\"https:\/\/baycoastmortgage.com\/resource\/insights\">Insights<\/a><\/div>\n\t\t\t\t\t\t\n\t\t\t<div class=\"primaryColor dot h6\" style=\"transform: scale(2.2); \">\u00b7<\/div>\n\n\t\t\t<div class=\"h6\" style=\"margin-left: 2rem;\">\t\t\t\tAugust 7, 2020        \n\t\t\t<\/div>\n\t\t<\/div>\n\t    \n\t    <h1 class=\"h2 blue bgWhite\" style=\"max-width: 50rem\">Buy or Improve Your Home With a VA Loan<\/h1>\n\t    \n\t    <hr style=\"margin-bottom: 7rem;\">\n\t  \n\t<\/div>\n\t\n\t<div class=\"wrapper\" style=\"justify-content: center; max-width: 90rem;\">\n\t\t<div style=\"width: 100%; position: relative;\">\n\t\t\t<img decoding=\"async\" data-src=\"https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2020\/08\/Man-in-Uniform-with-House-Keys-min.jpg\" role=\"img\" aria-label=\"Buy or Improve Your Home With a VA Loan\" style=\"--smush-placeholder-width: 2560px; --smush-placeholder-aspect-ratio: 2560\/1440;width: 100%; height: auto;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\n  \t\t<\/div>\n\t<\/div>\n<\/div>\n\n          <\/div>\n\n<div class=\"lazyblock-interior-content-X1YeN wp-block-lazyblock-interior-content\"><div class=\"spacer\"><\/div>\n\n<div class=\"section\">\n\t<div class=\"paddedWrapper\">\n\t\t<div class=\"wrapper flex gutenberg\" style=\"justify-content: center;\">\n\n\t\t\t\n\t\t\t<div class=\"smallWrapper gutenberg\">\n\n\t\t\t\t<div class=\"h3\"><\/div>\n\n\t\t\t  \t<hr style=\"margin-bottom: 5rem;\">\n\n\t\t\t\t<!-- interior content -->\n\t\t\t\t\n\n<p>If you\u2019re a member of the military, a veteran, or the qualifying spouse of a service member, a VA loan could help you finance your dream home off base. It\u2019s a benefit you\u2019ve earned, and one that we\u2019d love to explore with you in greater detail.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buy a single-family home (up to four units).<\/li>\n\n\n\n<li>Buy a home and make improvements or renovations to it.<\/li>\n\n\n\n<li>Consolidate debt.<\/li>\n\n\n\n<li>Buy a condo in a VA-approved project.<\/li>\n\n\n\n<li>Increase your home\u2019s energy efficiency by making updates or adding new features like solar panels.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">VA Loan Benefits Turn Dreams Into Reality<\/h3>\n\n\n\n<p>The U.S. Department of Veterans Affairs offers a wide array of benefits during service and after separation or retirement, but one of its most popular is the VA loan. Although every lending situation is different, VA loans often offer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$0 down payment options<\/li>\n\n\n\n<li>Refinance up to 100% of the appraised value of the property, with options for cash-out or rate-and-term refinances<\/li>\n\n\n\n<li>No need for PMI (private mortgage insurance) or mortgage insurance premiums<\/li>\n\n\n\n<li>Better terms and interest rates<\/li>\n\n\n\n<li>Fewer closing costs<\/li>\n\n\n\n<li>No prepayment penalty fees<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">How Can I Qualify for a VA Loan?<\/h3>\n\n\n\n<p>Although the VA doesn\u2019t make VA loans, the U.S. government guarantees them, which means it might be easier for you to qualify. You may be able to get a VA loan if you meet these three qualifications:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get a Certificate of Eligibility (COE) based on your service history and duty status.<\/li>\n\n\n\n<li>Meet your lender\u2019s credit, income, and other requirements.<\/li>\n\n\n\n<li>Plan to live in the home you\u2019re buying with a VA loan.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">We\u2019re Here to Help<\/h3>\n\n\n\n<p>At BayCoast Mortgage, we thank you for your service and your sacrifice. That\u2019s why no matter where you are on the home-buying journey, we\u2019re here to help you find financing that\u2019s just right for you.&nbsp;<a href=\"https:\/\/baycoastmortgage.com\/about-us\/contact-us\/\">Contact us<\/a>&nbsp;or call 877-466-2678 today and let one of our experienced BayCoast&nbsp;Mortgage lending professionals walk beside you on your path to&nbsp;homeownership.<\/p>\n\n\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>If you\u2019re a member of the military, a veteran, or the qualifying spouse of a service member, a VA loan could help you finance your dream home off base. <\/p>\n","protected":false},"author":10,"featured_media":1512,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"class_list":["post-1042","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2020\/08\/Man-in-Uniform-with-House-Keys-min.jpg",2560,1440,false],"thumbnail":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2020\/08\/Man-in-Uniform-with-House-Keys-min-150x150.jpg",150,150,true],"medium":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2020\/08\/Man-in-Uniform-with-House-Keys-min-300x169.jpg",300,169,true],"medium_large":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2020\/08\/Man-in-Uniform-with-House-Keys-min-768x432.jpg",768,432,true],"large":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2020\/08\/Man-in-Uniform-with-House-Keys-min-1024x576.jpg",1024,576,true],"1536x1536":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2020\/08\/Man-in-Uniform-with-House-Keys-min-1536x864.jpg",1536,864,true],"2048x2048":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2020\/08\/Man-in-Uniform-with-House-Keys-min-2048x1152.jpg",2048,1152,true],"gform-image-choice-sm":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2020\/08\/Man-in-Uniform-with-House-Keys-min.jpg",300,169,false],"gform-image-choice-md":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2020\/08\/Man-in-Uniform-with-House-Keys-min.jpg",400,225,false],"gform-image-choice-lg":["https:\/\/baycoastmortgage.com\/wp-content\/uploads\/2020\/08\/Man-in-Uniform-with-House-Keys-min.jpg",600,338,false]},"post_excerpt_stackable_v2":"<p>If you\u2019re a member of the military, a veteran, or the qualifying spouse of a service member, a VA loan could help you finance your dream home off base. <\/p>\n","category_list_v2":"<a href=\"https:\/\/baycoastmortgage.com\/en\/.\/insights\/\" rel=\"category tag\">Insights<\/a>","author_info_v2":{"name":"BayCoast Marketing","url":"https:\/\/baycoastmortgage.com\/en\/author\/marketingbaycoastbank-com\/"},"comments_num_v2":"0 comments","publishpress_future_action":{"enabled":false,"date":"2026-04-12 14:18:27","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/posts\/1042","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/comments?post=1042"}],"version-history":[{"count":0,"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/posts\/1042\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/media\/1512"}],"wp:attachment":[{"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/media?parent=1042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baycoastmortgage.com\/en\/wp-json\/wp\/v2\/categories?post=1042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}