1:"$Sreact.fragment" 2:I[65767,["/_next/static/chunks/aaa24ee3584bc913.js","/_next/static/chunks/3b9c0a8603788b12.js"],"default"] 3:I[5500,["/_next/static/chunks/aaa24ee3584bc913.js","/_next/static/chunks/3b9c0a8603788b12.js"],"Image"] 10:I[31213,["/_next/static/chunks/aaa24ee3584bc913.js","/_next/static/chunks/3b9c0a8603788b12.js"],"default"] 11:I[97367,["/_next/static/chunks/ff1a16fafef87110.js","/_next/static/chunks/d2be314c3ece3fbe.js"],"OutletBoundary"] 12:"$Sreact.suspense" 0:{"buildId":"Q6O0z0sMWODTzJ-zENbte","rsc":["$","$1","c",{"children":[[["$","section",null,{"className":"bg-gradient-to-br from-primary-dark via-primary to-primary-dark py-20 sm:py-28","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 text-center sm:px-6 lg:px-8","children":[["$","h1",null,{"className":"text-4xl font-bold tracking-tight text-white sm:text-5xl lg:text-6xl","children":"VA Home Loans"}],["$","p",null,{"className":"mx-auto mt-6 max-w-2xl text-lg text-white/80 sm:text-xl","children":"Honoring your service with the home loan benefits you've earned. Zero down payment, no PMI, and competitive rates for eligible veterans and service members."}],["$","div",null,{"className":"mt-8 flex flex-col items-center justify-center gap-4 sm:flex-row","children":[["$","a",null,{"href":"https://www.afnbp.com/web/borrower-portal/application?p_p_id=com_afncorp_bp_web_portlet_ApplicationPortlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_action=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_loId=A9YI&_com_afncorp_bp_web_portlet_ApplicationPortlet_loanPurpose=purchase","target":"_blank","rel":"noopener noreferrer","className":"rounded-full bg-gold px-8 py-3.5 text-base font-semibold text-text-dark shadow-lg transition-colors hover:bg-gold-light","children":"Apply for a VA Loan"}],["$","$L2",null,{"className":"rounded-full border-2 border-white px-8 py-3.5 text-base font-semibold text-white transition-colors hover:bg-white hover:text-primary","children":"Book a Consultation"}]]}]]}]}],["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":["$","div",null,{"className":"grid gap-12 lg:grid-cols-2 items-center","children":[["$","div",null,{"children":[["$","h2",null,{"className":"text-3xl font-bold text-primary-dark sm:text-4xl","children":"What Are VA Loans?"}],["$","p",null,{"className":"mt-4 text-lg text-gray-medium","children":"VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs. They are designed to help eligible veterans, active-duty service members, National Guard members, reservists, and certain surviving spouses purchase, build, or refinance a home. VA loans offer some of the most favorable terms available in the mortgage industry, making homeownership more accessible for those who have served our country."}]]}],["$","div",null,{"className":"relative","children":["$","$L3",null,{"src":"/images/american-flag-house.jpg","alt":"American flag on a residential home porch","width":800,"height":600,"className":"rounded-2xl shadow-lg object-cover w-full"}]}]]}]}]}],["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"VA Loan Eligibility"}],["$","p",null,{"className":"mx-auto mt-4 max-w-2xl text-center text-gray-medium","children":"To qualify for a VA loan, you must meet service requirements set by the Department of Veterans Affairs and obtain a Certificate of Eligibility (COE)."}],["$","div",null,{"className":"mt-12 grid gap-8 md:grid-cols-2 lg:grid-cols-3","children":[["$","div","Active-Duty Service Members",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-lg font-bold text-primary","children":"Active-Duty Service Members"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Currently serving members who have completed at least 90 continuous days of active service during wartime, or 181 days during peacetime."}]]}],"$L4","$L5","$L6","$L7","$L8"]}]]}]}],"$L9","$La","$Lb","$Lc"],["$Ld"],"$Le"]}],"loading":null,"isPartial":false} 4:["$","div","Veterans",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-lg font-bold text-primary","children":"Veterans"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Former service members who meet the minimum active-duty service requirements and were discharged under conditions other than dishonorable."}]]}] 5:["$","div","National Guard & Reserves",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-lg font-bold text-primary","children":"National Guard & Reserves"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Members with at least 6 years of service in the Guard or Reserves, or 90 days of active-duty service under Title 10 orders."}]]}] 6:["$","div","Surviving Spouses",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-lg font-bold text-primary","children":"Surviving Spouses"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Un-remarried spouses of service members who died in the line of duty or from a service-connected disability. Certain remarried spouses may also qualify."}]]}] 7:["$","div","Certificate of Eligibility",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-lg font-bold text-primary","children":"Certificate of Eligibility"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Your COE verifies your eligibility and can be obtained online through the VA portal, by mail, or with help from your lender. Joshua can assist you in obtaining your COE quickly."}]]}] 8:["$","div","Occupancy Requirement",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-lg font-bold text-primary","children":"Occupancy Requirement"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"VA loans require that the property be your primary residence. You must intend to move in within 60 days of closing in most cases."}]]}] 9:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"Benefits of VA Loans"}],["$","div",null,{"className":"mt-12 grid gap-8 sm:grid-cols-2 lg:grid-cols-3","children":[["$","div",null,{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"No Down Payment"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"VA loans are one of the few mortgage programs that allow you to purchase a home with zero down payment. This means you can finance 100% of the home's value, making homeownership accessible without years of saving."}]]}],["$","div",null,{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"No Private Mortgage Insurance"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Unlike conventional and FHA loans, VA loans do not require private mortgage insurance (PMI) or monthly mortgage insurance premiums (MIP), regardless of your down payment amount. This saves you hundreds of dollars per month."}]]}],["$","div",null,{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Competitive Interest Rates"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Because VA loans are backed by the federal government, lenders can offer interest rates that are often 0.25% to 0.5% lower than conventional loan rates. Over a 30-year mortgage, this translates to significant savings."}]]}],["$","div",null,{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Flexible Credit Requirements"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"The VA does not set a minimum credit score requirement, though most lenders prefer a score of 620 or higher. VA loans are generally more lenient with credit history compared to conventional mortgage programs."}]]}],["$","div",null,{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Limited Closing Costs"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"The VA limits the types and amounts of closing costs that veterans can be charged. Sellers can also contribute up to 4% of the home's value toward closing costs and concessions."}]]}],["$","div",null,{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Reusable Benefit"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Your VA loan benefit is not a one-time use. You can use your VA loan entitlement multiple times throughout your life, whether you sell your current home or pay off your existing VA loan."}]]}]]}]]}]}] a:["$","section",null,{"className":"relative overflow-hidden","children":["$","div",null,{"className":"grid lg:grid-cols-2","children":[["$","div",null,{"className":"relative min-h-[400px] lg:min-h-[700px]","children":[["$","$L3",null,{"src":"/images/military-family-home.jpg","alt":"Military service member with family at home","fill":true,"className":"object-cover"}],["$","div",null,{"className":"absolute inset-0 bg-gradient-to-r from-black/20 to-transparent lg:bg-gradient-to-r lg:from-transparent lg:to-primary-dark/30"}]]}],["$","div",null,{"className":"bg-gradient-to-br from-primary-dark to-primary-deeper px-8 py-16 sm:px-12 lg:flex lg:flex-col lg:justify-center lg:px-16 lg:py-20","children":[["$","h2",null,{"className":"text-3xl font-bold text-white sm:text-4xl","children":"How to Apply for a VA Loan"}],["$","p",null,{"className":"mt-4 text-white/70","children":"Five straightforward steps to your new home."}],["$","div",null,{"className":"mt-10 space-y-6","children":[["$","div","1",{"className":"flex gap-4","children":[["$","div",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-white/15 text-sm font-bold text-white ring-1 ring-white/30","children":"1"}],["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-white","children":"Obtain Your Certificate of Eligibility"}],["$","p",null,{"className":"mt-1 text-sm text-white/70","children":"Request your COE through the VA's eBenefits portal, by mail, or let Joshua obtain it on your behalf through the automated system."}]]}]]}],["$","div","2",{"className":"flex gap-4","children":[["$","div",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-white/15 text-sm font-bold text-white ring-1 ring-white/30","children":"2"}],["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-white","children":"Get Pre-Approved"}],["$","p",null,{"className":"mt-1 text-sm text-white/70","children":"Submit your financial documents and COE. Joshua will provide a pre-approval letter so you can shop with confidence."}]]}]]}],["$","div","3",{"className":"flex gap-4","children":[["$","div",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-white/15 text-sm font-bold text-white ring-1 ring-white/30","children":"3"}],["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-white","children":"Find Your Home"}],["$","p",null,{"className":"mt-1 text-sm text-white/70","children":"Work with a VA-experienced agent. The home must be your primary residence and meet VA Minimum Property Requirements."}]]}]]}],["$","div","4",{"className":"flex gap-4","children":[["$","div",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-white/15 text-sm font-bold text-white ring-1 ring-white/30","children":"4"}],["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-white","children":"Complete the VA Appraisal"}],["$","p",null,{"className":"mt-1 text-sm text-white/70","children":"An independent appraisal ensures the home meets standards and the price reflects fair market value."}]]}]]}],["$","div","5",{"className":"flex gap-4","children":[["$","div",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-white/15 text-sm font-bold text-white ring-1 ring-white/30","children":"5"}],["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-white","children":"Close on Your Home"}],["$","p",null,{"className":"mt-1 text-sm text-white/70","children":"Sign closing documents, pay any applicable funding fee and closing costs, and receive the keys to your new home."}]]}]]}]]}],["$","div",null,{"className":"mt-10 flex flex-col gap-4 sm:flex-row","children":[["$","a",null,{"href":"https://www.afnbp.com/web/borrower-portal/application?p_p_id=com_afncorp_bp_web_portlet_ApplicationPortlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_action=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_loId=A9YI&_com_afncorp_bp_web_portlet_ApplicationPortlet_loanPurpose=purchase","target":"_blank","rel":"noopener noreferrer","className":"rounded-full bg-gold px-8 py-3.5 text-center text-base font-semibold text-text-dark shadow-lg transition-colors hover:bg-gold-light","children":"Start Your VA Loan Application"}],"$Lf"]}]]}]]}]}] b:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"Frequently Asked Questions"}],["$","div",null,{"className":"mt-12 space-y-8","children":[["$","div","What is the VA funding fee?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"What is the VA funding fee?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"The VA funding fee is a one-time fee that helps fund the VA loan program. It typically ranges from 1.25% to 3.3% of the loan amount, depending on your down payment, service history, and whether it is your first VA loan. The fee can be rolled into the loan. Some veterans with service-connected disabilities are exempt."}]]}],["$","div","Can I use a VA loan more than once?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Can I use a VA loan more than once?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Yes. Your VA loan entitlement is reusable. Once you sell the home and pay off the VA loan, your full entitlement is restored. In some cases, you may even be able to have two VA loans simultaneously if you have remaining entitlement."}]]}],["$","div","Is there a maximum loan amount for VA loans?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Is there a maximum loan amount for VA loans?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"For borrowers with full entitlement, there is no VA loan limit as of 2020. Lenders may have their own limits based on your income and creditworthiness. Borrowers with reduced entitlement may still be subject to conforming loan limits in their county."}]]}],["$","div","Can I use a VA loan to buy a condo or multi-unit property?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Can I use a VA loan to buy a condo or multi-unit property?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Yes. VA loans can be used for single-family homes, VA-approved condominiums, and multi-unit properties up to four units, as long as you occupy one of the units as your primary residence."}]]}],["$","div","How long does the VA loan process take?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"How long does the VA loan process take?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"The VA loan process typically takes 30 to 45 days from application to closing, similar to conventional loans. The VA appraisal process may add a few days compared to conventional appraisals, but working with an experienced VA lender like Joshua helps keep things on track."}]]}]]}]]}]}] c:["$","$L10",null,{}] d:["$","script","script-0",{"src":"/_next/static/chunks/3b9c0a8603788b12.js","async":true}] e:["$","$L11",null,{"children":["$","$12",null,{"name":"Next.MetadataOutlet","children":"$@13"}]}] f:["$","$L2",null,{"className":"rounded-full border-2 border-white/30 px-8 py-3.5 text-center text-base font-semibold text-white transition-colors hover:bg-white hover:text-primary-dark","children":"Book a Consultation"}] 13:null