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Porch Light Branch of Fairway proudly supports our veterans in a number of ways, not the least of which being helping them afford their dream home.

Home loans backed by the Department of Veterans Affairs (VA) provide affordable home financing options for eligible Service Members, Veterans and surviving spouses.



This Navy Commander had been turned down by multiple lenders…

Watch how we turned things around and helped him and his family get into the home of their dreams just in time for the Holidays.



A prepayment penalty on a mortgage essentially charges you extra if you pay off the mortgage early. VA Loans do not come with any pre-payment penalties.


Most lenders require you to have Private Mortgage Insurance with a loan to value percentage of 80%, however, this requirement is waived with a VA Loan.

100% Financing

If you are eligible for full VA entitlement, you can enjoy full 100% financing with no down payments needed.

Fixed & Adjustable Rate Options

Applicants are able to choose from both Fixed Rate Mortgages and Adjustable Rate Mortgates (ARM).


Adjustable-Rate Mortgage

Borrowers currently serving the armed forces with the chance of relocating in the near term may benefit from the flexibility of an adjustable-rate mortgage (ARM). These loans offer lower introductory rates that are susceptible to change after the initial fixed-rate period. Because of this change, market fluctuations may raise or lower your monthly payment.

Fixed Rate Mortgage

Fixed-rate mortgages help protect you from market fluctuations by ensuring that the rate remains the same over the life of the mortgage. Additionally, you can select different terms, or lengths, of the loan (10, 15, 20, 25, or 30-year term). Note that a fixed-rate loan may have higher monthly payments, but they also provide opportunity to build equity in your home faster than you might otherwise. This equity can be used as a down payment for your next home or a cash-out refinance. If you have plans to be in your home for a longer period of time, a fixed-rate mortgage might be the right solution for you.

Cash Out Refinance

A cash-out refinance can help current homeowners pay for major expenses like debt, college tuition, or home improvements by giving you cash out of your home equity by replacing your current mortgage with a new mortgage valued at more than you owe on your house. You can also refinance a non-VA loan into a new VA loan using this refinance option.

Interest Rate Reduction Refinance Loan

An interest rate reduction refinance loan (IRRRL) can help lower your interest rate and reduce your monthly payment by refinancing your existing VA loan. You can also refinance an adjustable-rate mortgage (ARM) into a fixed-rate mortgage using this option. However, there are no cash proceeds available with an IRRRL.

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