VA Home Loans in Charlottesville, VA — Serving Those Who Served Us

If you’ve served in the U.S. Armed Forces, the VA Home Loan program is one of the best benefits available to you. Guaranteed by the U.S. Department of Veterans Affairs (VA), these loans offer affordable, flexible financing options designed to help veterans, active-duty service members, and eligible surviving spouses achieve homeownership.

In the Charlottesville area — home to many veterans from the University of Virginia community, NGIC, and surrounding bases — a VA loan can make homeownership more accessible and rewarding.

Top Benefits of VA Loans

• No Down Payment Required
  Buy a home with $0 down, keeping your savings intact.

• No Private Mortgage Insurance (PMI)
  Unlike conventional loans, VA loans never require PMI — saving you hundreds each month.

• Easier Qualification
  Because the VA guarantees part of your loan, lenders can offer easier approval terms and competitive interest rates.

• 100% Refinancing Available
  Refinance your home up to its full value — perfect for lowering your rate or accessing equity.

• Seller-Paid Closing Costs
  Sellers can cover all or part of your closing costs, reducing what you pay out of pocket.

• VA Streamline Refinance Option
  If you already have a VA loan, you may qualify for a quick, no-hassle Streamline Refinance (IRRRL) to lower your rate without extensive documentation.

• Funding Fee Waiver for Disabled Veterans
  Veterans receiving disability compensation may qualify for a full waiver of the VA Funding Fee, making homeownership even more affordable.

Who Is Eligible for a VA Loan?

You may qualify for a VA loan if any of the following apply:

• You served 181 days during peacetime (Active Duty).

• You served 90 days during wartime (Active Duty).

• You served 6 years in the Reserves or National Guard.

• You are the spouse of a service member who died in the line of duty.

• You currently receive VA disability payments.

If you’re unsure about eligibility, our team can help verify your Certificate of Eligibility (COE) and guide you through the application process.

Understanding the VA Funding Fee

The VA Funding Fee helps sustain the VA loan program for future generations of service members. This one-time fee can range from 1.25% to 3.3% of your loan amount, depending on your:

• Service type (Active Duty, Guard, or Reserve)

• Down payment amount

• Whether it’s your first or subsequent use of the benefit

You can roll this fee into your loan instead of paying it upfront, keeping your out-of-pocket expenses low.

VA Streamline Refinance (IRRRL)

Already have a VA loan? You may qualify for a Streamline Refinance, also called an Interest Rate Reduction Refinance Loan (IRRRL).

With this program:

• No income verification or W-2s are needed.

• No home appraisal is typically required.

• You can lower your rate and payment quickly, often with minimal closing costs.

Why Veterans in Charlottesville Choose Duane Buziak Mortgage Maestro

• Local Expertise: We understand the housing market in Charlottesville, Glen Allen, and Central Virginia — including neighborhoods near UVA, Lake Monticello, and NGIC.

• Veteran-Focused Service: Our team proudly serves veterans and their families with respect, transparency, and efficiency.

• Fast Closings: We streamline the VA loan process so you can move into your new home with confidence.

Start Your VA Loan Journey Today

Your service deserves to be rewarded — and homeownership should be part of that reward.

📞 Contact Duane Buziak Mortgage Maestro today to learn more about VA Home Loans in Charlottesville VA or get pre-approved online.

We’ll help you access your VA benefits and secure the home you’ve earned.