• Home
  • VA Loan
  • Purchase
  • Refinance
  • Viktoria's expertise
  • Join the Team
  • Blogs
  • More
    • Home
    • VA Loan
    • Purchase
    • Refinance
    • Viktoria's expertise
    • Join the Team
    • Blogs

Call (804)605-7333

Call (804)605-7333

  • Home
  • VA Loan
  • Purchase
  • Refinance
  • Viktoria's expertise
  • Join the Team
  • Blogs

Big home savings for your service

As an active duty or retired military service member, you're entitled to exclusive mortgage benefits

As a member of our military, you are eligible for a special government-insured VA loan:

  • No down payment required
  • Split entitlement accepted
  • Low-interest rates
  • Fast closings — usually in an average of 20 days
  • No private mortgage insurance (PMI)

Let us help you get into the home you've always wanted. All with special mortgage terms and a high level of extraordinary service. Plus, elite pricing for credit scores starting at 640.

You served our country. Now let us serve you.

Start Your VA Loan Journey Today!

America’s #1 VA Mortgage Broker

Edge Home Finance – America’s #1 VA Mortgage Broker
Proudly serving those who serve. We specialize in VA home loans and are honored to help military families achieve homeownership.
Ask about our exclusive VA incentives and closing cost assistance! 

PCS? No Worries—Buy Your Next Home Without Selling the First

Military life often means moving—and sometimes sooner than you planned. But your VA home loan benefits are flexible enough to keep up with your service.

Here’s the great news:

If you purchased your home with a VA loan and receive Permanent Change of Station (PCS) orders, you don’t have to sell your current home to buy another one at your new duty station.

How It Works

✅ Use Your Remaining VA Entitlement
Even if you already have a VA loan, you may have enough remaining entitlement to buy another property. This allows you to keep your existing home as a rental or investment property while purchasing your next home with little or no down payment.

✅ Potential Rental Income
If you plan to rent out your current home, the potential rental income might help offset that mortgage payment, improving your debt-to-income ratio when qualifying for your new loan.

✅ Build Long-Term Wealth
Owning multiple properties can be a powerful way to build wealth and financial security for your future. Instead of selling, you’re growing your investment portfolio while continuing to serve your country.

✅ Smooth Transition for Your Family
Relocating is stressful enough. VA loan flexibility helps ensure your family has a comfortable place to call home in your new city—without the pressure of selling quickly.



Common Questions About PCS and VA Loans

Can I have two VA loans at the same time?
Yes—in some cases, you can. It depends on how much of your VA entitlement is still available and the loan amount you need for your new home.

Will I need a down payment for my new home?
Not always! If you have enough remaining entitlement, you might still qualify for 100% financing. If not, you could use a partial entitlement and may need a small down payment.

Do I have to refinance my first VA loan to buy again?
No. You can keep your existing VA loan in place and apply for a new VA loan using any available entitlement.



Let’s Make Your PCS Move a Smart Move

Every situation is unique, and we’re here to help you explore all your options. Don’t leave your hard-earned benefits—or your potential investment opportunities—on the table.

✨ Ready to plan your next move? Reach out today for a free, no-obligation consultation. 


Frequently Asked Questions

Please reach us at green@homenc.us if you cannot find an answer to your question.

 A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, designed to help veterans, active-duty service members, and eligible family members purchase a home with favorable terms. 


  • No Down Payment Required
  • Competitive Interest Rates
  • No Private Mortgage Insurance (PMI)
  • Flexible Credit Requirements 


 You may be eligible if you are:

  • An active-duty service member
  • A veteran with an honorable discharge
  • A surviving spouse of a service member (with specific conditions)


 Yes, VA loans are reusable. If you’ve paid off your previous VA loan or sold the home, you can apply for another one. You may also be able to use your VA benefits for a second loan if your remaining entitlement is sufficient. 


 VA loans are intended for primary residences only. However, you may use it to buy a second home if you plan to make it your primary residence (e.g., relocating due to PCS orders). 


 Yes, a Certificate of Eligibility (COE) is required to prove to lenders that you meet the VA’s service requirements. Your loan officer, like Viktoria Green, can help you obtain it. 


  No, VA loans can also be used to buy condos, multi-family properties (up to 4 units), and manufactured homes, as long as they meet VA standards. 


Yes,

VA Interest Rate Reduction Refinance Loan (IRRRL): Streamlines refinancing to reduce your rate or monthly payments.

VA Cash-Out Refinance: Allows you to take cash out of your home equity while refinancing.


 The VA itself doesn’t set a minimum credit score, but most lenders typically require a score of 580–620. But, Viktoria Green can help if your score is below 580


 The VA loan process generally takes 30–45 days, depending on the complexity of your case and the responsiveness of all parties involved. 


 Yes, there are closing costs, but VA loans cap what borrowers can be charged. Additionally, sellers can pay up to 4% of the home’s price toward closing costs, reducing the out-of-pocket expenses for buyers. 


 The VA funding fee is a one-time fee paid to help sustain the VA loan program. It varies based on your loan amount and whether it's your first VA loan. Certain groups, such as veterans with service-connected disabilities, may be exempt from paying the funding fee. 


 Yes, you can still qualify for a VA loan after bankruptcy or foreclosure. However, there’s usually a waiting period:

  • Chapter 7 Bankruptcy: 2 years from discharge.
  • Foreclosure: 2 years from completion.


 You can use a VA loan to purchase:

  • Single-family homes
  • Condos in VA-approved developments
  • Manufactured homes (with land)
  • Multi-family properties (up to 4 units)
  • Newly built homes (must meet VA standards)


Viktoria Green # 2481074 Edge Home Finance #891464

(804) 605- 7333 green@homenc.us

Copyright © 2024 Viktoria Green with Edge Home Finance - All Rights Reserved. Licensing Disclaimer NMLS Consumer Access Portal Privacy Policy

Powered by

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept