Special Offer for Veterans

A VA home loan offers eligible veterans 100% financing with No Mortgage Insurance!

0% Down Payment

Fixed Rate & Adjustable Loans

No Mortgage Insurance

Loans up to $2,000,000

Frequently Asked Questions

Who Is Eligible for a VA Home Loan?

You must have satisfactory credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan. The home must be for your own personal occupancy. The eligibility requirements to obtain a COE for Servicemembers and Veterans, spouses, and other eligible beneficiaries can be found at the Department of Verterans Affairs VA Eligibility website.

What is the maximum VA loan amount?

We offer VA loans up to $1,500,000!

Loan amounts below than the conforming loan limit are eligible for 100% financing. The conforming loan limit for all of South Carolina is $453,100.

What is the maximum loan amount to receive 100% financing?

The VA loan provides 100% financing up to the conforming loan limit for the county in which the property is located. For a property located in South Carolina, the VA loan limit for 100% financing is $453,100.

The VA will provide loans up to $1,500,000 however a down payment is required for loans greater than $453,100.

What Documents do I need to obtain my Certificate of Eligibility

The documents you need depends on the nature of your eligibility. A list of required doucments can be found at the Department of Veteran Affairs website.

Where can I get my Certificate of Eligibility

After gathering the evidence you need, you can apply for your Certificate of Eligibility (COE) in the following ways.

Servicemembers, Veterans, and National Guard and Reserve Members
Apply online:
To get your Certificate of Eligibility (COE) online, please go to the eBenefits portal. If you already have login credentials, click the Login box, and if you need login credentials, please click the Register box and follow the directions on the screen. If you need any assistance please call the eBenefits Help Desk at 1-800-983-0937. Their hours are Monday-Friday, 8am to 8pm EST.

Apply through your lender:
Most lenders have access to the Web LGY system. This Internet-based application can establish eligibility and issue an online COE in a matter of seconds. Not all cases can be processed through Web LGY - only those for which VA has sufficient data in our records. However, Veterans are encouraged to ask their lenders about this method of obtaining a certificate.

Apply by mail:
Use VA Form 26-1880, Request for Certificate of Eligibility.

Surviving Spouses
Spouses can take the VA form 26-1817 to their lender for processing (see Apply Through Lender above) or may mail the 26-1817 and DD214 (if available) to the following address:

Download VA Form 26-1817, Request for Determination of Loan Guaranty Eligibility - Unmarried Surviving Spouses

If you can't print the form, just call 1-877-827-3702 and follow the prompts for Eligibility and they will mail the form to you.

Send the completed form to:
VA Loan Eligibility Center
Attn: COE (262)
PO Box 100034
Decatur, GA 30031

Loan Program Overview

A VA loan is a mortgage loan made by an approved lender and guaranteed by the Department of Veterans Affairs. They are made available to eligible veterans, those currently serving in the military, and, in some case, their spouses.

VA loans are unique from some other loans programs because the federal government guarantees a portion of the principal. The Department of Veterans Affairs guarantees a part of the loan amount which allows veterans to obtain a loan with a very small down payment or, for loans less than the conforming loan limit, to obtain a loan with no down payment at all.

The processing of qualifying for a VA loan is very similar to that of other loan programs, but a veteran must also be eligible through an affiliation with the military. This is typically documented with a Certificate of Eligibility or VA Form DD214. A full list of eligibility requirements can be found at the Department of Veterans Affairs website.