VA Loans

Financing benefits for service members.

100% financing available

Optional down payment

Competitive interest rates

Home financing for those who’ve served.

Your service deserves a mortgage that's built around your needs. VA home loans offer eligible veterans, active-duty service members, and certain surviving spouses of veterans an affordable path to homeownership with valuable financing benefits.

As a trusted approved VA lender, Michigan First will help you understand your eligibility, navigate the loan process, and find the mortgage solution that's right for you.

What is a VA Home Loan?

A VA home loan is a mortgage program backed by the U.S. Department of Veterans Affairs that helps eligible military borrowers purchase or refinance a home.

Compared to many traditional mortgage options, VA loans may offer significant advantages, including:

No down payment for qualified borrowers
Fixed-Rate or Adjustable-Rate Mortgages options
No private mortgage insurance (PMI)
Competitive interest rates
Flexible credit requirements
Limited closing costs
No pre-payment penalties
No funding VA fees for service disabled veterans
Sellers can pay up to 4% of closing costs and pre-paids
VA Interest Rate Reduction Loans (IRRL) Refinance Loans are also available

Our mortgage experts will guide you through every step of the process and help determine whether a VA loan is your best option.

Is a VA Loan right for you?

A VA home loan may be a great choice if you:

Are an eligible veteran
Serve on active duty
Are a qualifying member of the National Guard, Coast Guard, or Reserves
Are an eligible surviving spouse
Plan to purchase or refinance a primary residence

Not sure if you qualify? Our team is happy to help you understand your eligibility and available financing options.

Why choose Michigan First?

Buying a home is one of life's biggest milestones, and we're proud to serve those who've served our country. Our experienced mortgage team provides personalized guidance throughout the homebuying journey, helping you compare loan options, understand VA benefits, and move confidently from pre-approval to closing.