Expect More from Your Lender

You’ve earned the benefits of a VA Loan.
Leverage our partner network to get the mortgage loan you deserve without the hassle.

Get a FREE Interest Rate Quote

Whether you are looking to purchase a home or refinance, our GoVA Representatives will provide you with a free, no-obligation interest rate quote and help you understand your options. You served for us, let us work for you!

THE Veterans AffairS (VA) loan

Use Your VA Benefits to Stop Renting & Start Owning

About the VA Loan

A Veterans Affairs (VA) loan is a home loan designed to help finance homes for Veterans, eligible members of the military, and in some cases, surviving spouses. VA loans are guaranteed by the government but made by qualified lenders, allowing for more flexible lending standards than conventional loans. In many cases, the VA loan uniquely allows for no down payment or monthly mortgage insurance, helping open the door to ownership for military members and their families. Offering exquisite service and excellent knowledge of the VA loan is just one of the many ways GoVA serves our military members.

Benefits of the VA Loan include:

Competitive interest rates
VA loans often offer lower rates than conventional mortgages.

No down payment on most purchases
Buyers can purchase a home with little-to-no cash out of pocket.

No private mortgage insurance
Unlike conventional and FHA loans, the VA loan never requires costly private mortgage insurance.

Reasonable credit qualifications
Less-than-perfect credit is acceptable.

Limits to closing costs
The VA limits the number of closing costs paid by the VA buyer.

Popular Mortgage Loan Tools & Resources

Our tools give you support across all of your financial decisions to help you reach your goals with confidence.


Loan Payments



Mortgage Refinance



Comparing Mortgage Terms Calculator



FREE VA Loan Guide



Home Affordability Tool



Credit Score & Report Tool



VA Housing Assistance



VA Home Loan Types



How To Request a COE



Disability Housing Grants



VA Home Loan Entitlement


Don’t see what you need? Sign up for The Edge today to view all of our mortgage tools and resources.


How Much Will My Loan Payment Be?

Use this mortgage calculator to calculate your estimated monthly mortgage payments.

The Process is Simple.


1. Complete

We have a digital application process that makes it easy for you. Simply fill out the forms and submit the required documentation.


2. Contact Trusted Loan Officers 


Our trusted loan officers are standing by to help you get started & guide you through the process to get your Certificate of Eligibility (CoE).


3. Process

Our trusted experts will process your loan, submit to underwriting, and get an approval.


4. Clear to

Our trusted team will finalize everything for your loan and prepare all documents for the closing attorney.


Need Cash or to Reduce Your Payment? You Have Options.


100% Cash Out Refinancing: How Your Home Can Pay YOU

Take advantage of record high home values with our 100% CASH OUT Refi Program. Military families are eligible to take advantage of home equity to get cash out for personal use. Get the details and see how you can get cash in hand through the simple refinance process.


Interest Rate Reduction Refinance Loan (IRRRL)

Reduce the monthly mortgage payments on your current VA loan. Military families can take advantage of better rates and terms by refinancing their current loan to get a more manageable monthly payment. We streamline the process and connect you with Certified Partners.


Want more FREE mortgage loan tools and resources?

Visit The Edge, our free financial wellness tool exclusively for military families.

Our Financial Improvement Tools (F.I.T.) meet the educational standards of these regulatory agencies:


Got Questions?

Submit your question/inquiry below and we will contact you within 2 business days.

About Our Partnership with TowneBank Mortgage

At GoVA, we’re proud to partner with a lender that delivers peace of mind to those who have served and continue to serve our county. Together, GoVA and TowneBank Mortgage are committed to helping our military service members achieve their dreams of homeownership, as well as providing them with valuable resources along the way. As experienced lenders, TowneBank Mortgage understands the need for a quick and easy mortgage process, especially during life’s transitional moments. Headquartered in Norfolk, just miles from the world’s largest naval base, TowneBank Mortgage has had the honor of helping thousands of military families through their VA loan offerings. Their team is knowledgeable about VA products and the local market, and in-house operations allow them to respond to questions and concerns in a timely manner. Together, we can get you to closing in 30 days or less. Trust TowneBank Mortgage and GoVA loans to get you home.

Click the button below
to begin your application.