Kerins Associates NMLS#211227 | Kathleen Kerins NMLS #212653
Serving Maryland since 1991
Have you served?
I am a VA Military Loan Specialist
VA loans are backed by the US government, making them one of the most secure and affordable types of home loans available. With VA loans, you can buy a home with no down payment and no private mortgage insurance. Plus, there are no prepayment penalties or late fees.
The American Dream for American Heroes. You have served our country, and deserve our respect. Ready for your piece of the American Dream? We have a heart and passion for our veteran community, and pride ourselves on making the home financing experience amazing.
Learn more about VA loans and how to apply today.
Reasons to use your VA Loan now:​​
No Down Payment
No Mortgage Insurance
The amazing benefit of being able to purchase with $0 down helps veterans and active military members get a slice of the American Dream without having to spend years scraping and saving for a sizable down payment. That means those who serve our country can get into homes in the present, not years down the road.
Competitive Interest Rates
Unlike conventional and FHA loans, a VA loan doesn’t require monthly mortgage insurance.
Lifetime Benefit
A common misconception of VA Loans is that it is a one-time benefit. In fact, those who have earned it can use this program over and over throughout their lifetime.
The VA’s guarantee provides lenders with a sense of security that allows them to charge competitively lower rates.
Closing Cost Limits
All mortgages come with fees and closing costs. But the VA actually limits what veterans can be charged when it comes to these expenses. Some costs and fees must be covered by other parties in the transaction.
Relaxed Credit Requirements
Veterans do not need to have perfect credit to secure home financing at competitive interest rates despite the relaxed credit score requirements. VA loans are also more forgiving when it comes to bouncing back after a bankruptcy, foreclosure or short sale.
