Serving Those Who’ve Served
VA Loans That Put Your Family First
With VA benefits, you can buy with $0 down, skip the mortgage insurance, and secure a lower rate — because you’ve earned it.
The Benefits of a VA Loan
VA loans offer some of the best terms available — designed to reward your service.
$0 Down Payment
Buy a home with no down payment required — one of the biggest advantages of a VA loan.
No PMI Required
VA loans don’t require private mortgage insurance, which lowers your monthly mortgage payment compared to other loan types.
Lower Interest Rates
VA loans tend to have lower rates than conventional loans, so you can save more over the life of your mortgage.
VA Loans We Offer
Get matched with a mortgage designed to reach your homeownership dreams. We’ll look for all the options you have, not just VA.
30, 25, 20 or 15-year term
Fixed-Rate VA Loan
Combines the stability of an interest rate that doesn’t change with a loan length that fits your budget and future plans.
VA Jumbo Loan
Fixed-Rate VA Loan
Jumbo loans for larger loan amounts are typically harder to qualify for, but a VA jumbo makes it easier.
5/1 ARM
VA Adjustable-Rate Mortgage
A competitive interest rate for the first 5 years, then adjusts every year after — ideal if you plan to sell or refinance soon.
Loan Guidelines
If your details are close to these guidelines, we encourage you to apply or talk to us.
Service Requirements
Starting at 90 continuous days of active duty. No matter when you served, we can help you determine if you or your spouse qualifies.
Credit Score
Your credit can be as low as 580 to qualify for a VA loan. If it’s somewhat lower, talk to us — we have ways to help.
Debt & Income
Less than half of your income going to pay debt is a good start. How much income you have left after paying bills matters too.
Closing Costs
Although a down payment isn’t required, you’ll still need funds for closing costs — usually 3–6% of the loan amount.
Why Choose a VA Loan with Bridgewood?
No down payment required on most VA loans
No private mortgage insurance (PMI)
Competitive rates backed by the VA
Reusable benefit — use it again and again
Available for purchases and refinances
Personalized guidance from our experienced loan officers
FHA Loan at a Glance
Down Payment
$0
Min. Credit Score
580
Loan Terms
15 or 30 years
Property Type
Primary Residence
PMI Required
No
Funding Fee
1.25%–3.3%
VA Refinance Options
You can refinance from or to a VA loan. We’ll help you find the right option for your situation.
Cash-Out Refinance
Tap into your home’s equity with a new mortgage that gives you the cash to improve your home or financial picture.
VA Streamline Refinance (IRRRL)
Already have a VA loan? This option can help you lower your monthly payment and change your rate — without an appraisal and less paperwork.
Home Equity Loan
Great for when you want a lump sum of cash at a fixed rate without refinancing your current mortgage.
Frequently Asked Questions
Achieve Your Homeownership Goals with an FHA Loan
Don’t wonder what’s best — ask us! We’ve been helping clients find their perfect home loan with personalized, trusted guidance.