# VA Home Loans

Source: https://www.gatewayfirst.com/mortgage/purchase/mortgage-loans/va-home-loans

We are thrilled to share with you a glimpse into the future of Veterans Affairs (VA) services at Gateway. We are on the cusp of launching a new web page dedicated to Veterans and VA mortgage benefits. This upcoming platform is designed with a singular focus - to serve those who have served us, by making homeownership more accessible and affordable. Our future web page will be a comprehensive resource for all things related to VA mortgages. Whether you're a first-time homebuyer, expecting to PCS from overseas or looking to refinance, our platform will provide the information you need. We are working tirelessly to simplify the process of applying for a VA loan. The new web page will guide you through every step, from determining your eligibility to closing on your new home. We've incorporated feedback from veterans to ensure the platform meets your needs. It will be easy to navigate, with clear menus and straightforward language. And if you need help, e-mail Veteranhomeloans@GatewayFirst.com  and we will be ready to assist.
Gateway Mortgage's Veterans Affairs home loan (called VA for short) provides tremendous advantages that enable homeownership for the men and women who have served our country in the U.S. military. These loans are partially insured by the U.S. Department of Veteran Affairs and up to 100% financing.

## We specialize in VA home loans.
First and foremost, thank you for your service. Allow us to show our appreciation by assisting you with what matters most—home.
### Discover our unwavering commitment.
We stand by, ready to help our Veterans along their mission to ‘Home Sweet Home’ with tailored VA mortgage solutions and personalized support.
#### Online Application
Start an application, send photos of your documents, track next steps, and sign your closing documents—all online, anywhere, anytime.
#### Certified Advisors
Our dedicated team of Veterans and specialists bring a wealth of expertise and experience to guarantee your VA mortgage journey is seamless.
#### Reinforcements
We'll navigate the complexities of VA benefits to ensure you receive every entitlement and support you deserve, maximizing your available resources.
### We've got you covered.
Let us help you find the perfect VA mortgage solution tailored to your needs so you can focus on getting home.
### Features and benefits that back you up.
#### Va streamlined process
Our certified advisors simplify the homebuying journey with a streamlined process. From pre-qualification to closing, we provide a stress-free experience with personalized guidance and support.
#### Va benefits competitive rates
We leverage our extensive network of lenders to secure competitive VA Loan rates to help borrowers save thousands over the life of their loan and have long-term financial stability.
#### Va benefits flexible guidelines
VA Loans offer more flexible credit guidelines than traditional mortgages, making them accessible even to those with less-than-perfect credit scores.
#### Va benefits no downpayment
There's no hefty downpayment when you leverage a VA loan. This freedom allows Veterans to prioritize other financial goals while still securing the home of their dreams.
#### Va benefits no PMI
VA Loans typically don't require Private Mortgage Insurance. Not having PMI can lower costs on monthly payments and help make homeownership more affordable for Veterans.
#### Va benefits flexible loan terms
It's as simple as it sounds. Choose from fixed-rate or adjustable-rate mortgages to tailor your loan to your financial goals and preferences.
##### We are proud supporters of Folds of Honor and have contributed more than $615,000 to help provide services to the families of fallen and injured service men and women.
> Working with Gateway was such a pleasure. They walked me through the entire process and sent slideshows to help me understand the steps to come. They were always available to answer my million questions. I would definitely recommend them to everyone I know.
> — Candace Woodward, Customer
> Gateway really strives to do what it takes to get the deal done! They are a wonderful group to partner with in the home buying process!
> — Courtney Heidik, Customer
> Absolutely great to work with! We have bought several houses over the years and this was by far the best experience we have had.
> — Brenda Searcy, Customer
### You have questions, we've got the intel.
If you have any additional questions. please call us at (888) 632-2659 or send an email to VAHomeLoans@GatewayFirst.com.
#### How do I apply?
You can complete your application online or call (888) 632-2659.
#### Who can participate?
Eligible military personnel that generally includes active duty, honorably discharged Veterans, surviving spouses, reservists, and national guard. Certain criteria apply and a Certificate of Eligibility is a good first step. Contact one of our Certified Mortgage Military Advisors for your COE.
#### What loan types are offered?
Gateway offers: 
VA Home Loans, VA Jumbo Loans, VA Loan Refinancing, IRRRL, and VA Rehab Loans
#### Can I buy a home after a foreclosure?
Yes. The VA after a 2-year waiting period after the foreclosure and you have enough eligibility available.
#### Can I have more than one VA loan?
If you want to keep your current VA home loan and purchase a new home using a VA-guaranteed loan on a home valued over $144,000, you must keep the following two things in mind. One, you must be able to afford all the loans at the time of closing. Two, the next home you purchase must be your residence. VA may be able to back all your loans, but only up to the conforming loan limit (CLL) for your next home’s county. This means that any amount above that loan limit may require a down payment. Note: Most lenders require a combination of the guaranty entitlement and any cash down payment to equal at least 25 percent of the appraised value or sales price of the property, whichever is less. Generally, your remaining entitlement multiplied by four is the size of loan or part of the loan that VA can guarantee on your subsequent loan without requiring down payment. For example, if your county loan limit is $700,000: your first loan was for $300,000 and the second for $400,000, you may have enough remaining entitlement for a no-down payment option.
#### Can I buy a home after a foreclosure?
Yes. After the 2 year waiting period following the foreclosure given you have enough eligibility available.
#### How can I get in touch with a Military Mortgage Advisor?
You can call us at (888) 632-2659 or send an email to VAHomeLoans@GatewayFirst.com.
### VA advisors callout
### Our local advisors are trained to help you navigate the VA Loan Program.
Published: 2026-08-03T13:08:32.682Z