VA Loan


VA Home Loan

Veterans and active duty service members can make homeownership a reality through the VA Loan Program. This program has zero down payment for purchase, competitive rates and a streamlined refinance option that reduces documentation needed to close - the VA Interest Rate Reduction Refinance Loan (IRRRL). The IRRL is a longstanding program to honor veterans; this offering allows for qualifying flexibilities and other options not offered in any other loan program.


  • No Down Payment

  • No private mortgage insurance

  • Fixed-Rate Mortgage Options available with 15- to 30-year terms

  • Adjustable Rate Mortgages (ARMs) available

  • Refinance with the VA IRRRL

  • Minimum credit score of 580

Take The First Step
Get Pre-Qualified Today!

Visit our Office

Residential Division

Multi-State Direct Endorsement Lender

1185 Morris Ave. Union, NJ 07083

Office #: (908) 933-0253*

Fax #: (908) 666-0266*

*not for use by New York borrowers

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Our team takes pride in dependability and accessibility. Whether it's a purchase or refinance, you are working with highly skilled professionals that strive for outstanding customer service. When you are ready to begin the mortgage lending process, we will be with you every step of the way to make sure that your loan closes quickly and smoothly.

Licensing:  New Jersey (9930047), New York (B500993), Pennsylvania (33116), Florida (MLD1382)

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*This site is not authorized by the New York State Department of Financial Services. No Mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.*

© 2019 by Omega Financial Services. All Rights Reserved | NMLS# 20169