VA Loans

What is a VA Loan?

VA Loans are home loans designed to offer long-term financing to our veterans. VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.


If you are a veteran, active duty member, National Guard member, or reservist, you must meet the basic service requirements set by the Department of Veterans Affairs. Spouses of military members who have passed away or of military members with a service-connected disability may also be eligible for to receive this loan.

To apply for a VA home loan, veterans must have the DD-214 form. If you do not have your DD-214 or are not sure what benefits are available to you, complete this VA Form 26-1880 and send into VA for confirmation.


If you are eligible for a VA loan, the advantages include zero down payment, higher allowable debt-to-income ratio, and no monthly insurance premiums to pay.

veteran family

How Can We Help You?

Your Trusted Home Team loan professionals provide all types of mortgages on all Hawaiian islands We know not all veterans live near a base, but across the Hawaiian state. Although we are located in Kailua Kona, we can service anyone in the islands of Hawaii. If you have any questions about the process of obtaining a VA loan or would like us to walk you through this process to make it easier for you, please contact us today. Allow us the opportunity to serve you.

Get approved today!

 Recent Questions

I already bought a home with my VA benefit, can I buy another one?   You may have one VA loan at a time (unless you are transferring and are in process of selling). If you sold your property with the VA loan you may now apply for another.

I want to buy an investment property to make income while I am deployed, then I’ll move into it once I return.   VA Loans are for primary residence only and do not have allow second home or investment property use.