VA Loans
VA Home Loans in Cadiz KY
If you're an eligible veteran, active-duty service member, or surviving spouse, a VA loan offers a powerful path to homeownership — with no down payment, no PMI, and competitive rates. At Quality Home Mortgage, we proudly support those who serve by helping them access affordable VA home loans in Cadiz and across Western Kentucky.
What Is a VA Loan?
VA loans are backed by the U.S. Department of Veterans Affairs, allowing lenders like us to offer highly favorable mortgage terms to those who qualify. Whether you’re buying your first home, upgrading, or refinancing, VA loans are often the best financing option available for military-connected families.
A Benefit You’ve Earned
Key Benefits of VA Loans
- $0 down payment required
- No private mortgage insurance (PMI)
- Low fixed interest rates
- Limited closing costs
- Easier credit and income qualification
- Streamlined refinance options (IRRRL)
Best of all, VA loans are reusable — if you’ve used your benefit before, you may still qualify again.
Who’s Eligible for a VA Home Loan?
You may be eligible if you meet one of the following:
- Served 90+ consecutive days during wartime
- Served 181+ days during peacetime
- Served 6+ years in the National Guard or Reserves
- Are a surviving spouse of a service member who died in the line of duty or as a result of a service-related injury
We help you verify eligibility through the Certificate of Eligibility (COE) and walk you through every requirement.
Why Veterans Choose Quality Home Mortgage
VA loans have unique underwriting guidelines — and we know them inside and out. We’ll help you avoid delays by managing your application, appraisal, COE, and lender requirements with precision.
We Understand the VA Process
Local, Personalized Support
You’ve served your country — now let us serve you. Based in Cadiz, KY, our office is easy to reach and staffed by real people who care about your success.
Conventional vs. Government-Backed Loans
| Feature | Conventional | FHA | USDA | VA |
|---|---|---|---|---|
| Backed by Gov't? | ❌ | ✅ | ✅ | ✅ |
| Minimum Down | 3–5% | 3.5% | 0% | 0% |
| Mortgage Insurance | PMI until 20% equity | Required for life (under 10% down) | Lower MI | No MI |
| Credit Score Flexibility | Higher required | More forgiving | Moderate | Moderate |
Not sure which to choose? That’s where we come in.
The VA Loan Process: What to Expect
1
Step 1: Confirm Eligibility
We help you request your Certificate of Eligibility (COE) from the VA to ensure you qualify.
2
Step 2: Get Pre-Approved
Once we verify your service and income, we issue a VA pre-approval letter so you can start house hunting.
3
Step 3: Find & Purchase Your Home
Work with your realtor to find a property that meets VA appraisal guidelines, and we’ll take care of the rest.
4
Close with Confidence
We coordinate underwriting, appraisal, and title work to make sure you close on time — often within 30–45 days.
FAQs About VA Home Loans
Do I need a down payment with a VA loan?
No. VA loans offer 100% financing for eligible borrowers — one of the biggest advantages.
Can I use a VA loan more than once?
Yes. You can reuse your VA benefit multiple times as long as entitlement is available.
What kind of homes can I buy with a VA loan?
Single-family homes, some townhomes, and condos that meet VA appraisal guidelines are eligible. The property must be your primary residence.
Can I refinance with a VA loan?
Yes. The VA IRRRL (Interest Rate Reduction Refinance Loan) makes it easy to refinance an existing VA loan with minimal documentation.
Let’s Get Started on Your VA Loan
At Quality Home Mortgage, we believe those who served should have access to the best possible path to homeownership. If you think you may qualify for a VA home loan — or just want to explore your options — our team is ready to help.