VA Loans
Zero down payment, no monthly mortgage insurance, and competitive rates for veterans, active-duty service members, and eligible spouses.
A VA loan is guaranteed by the Department of Veterans Affairs and is one of the strongest benefits available to those who have served. Eligible borrowers can buy with no down payment and no monthly mortgage insurance. As a veteran-owned company, Opulence understands the VA process from the inside, and our in-house team coordinates every step with your agent through closing.
Everything You Need to Buy
Compare loan programs, run your numbers, and reach our team, all from one place.
Is a VA Loan Right for You?
The VA home loan benefit is earned through service. We help you use it to its full advantage.
The Opulence Advantage
2-1 Buydown.
An exclusive program that lowers your interest rate for the first two years of your loan. Your payments start lower, giving you breathing room for moving costs, furnishing, and settling into your new home.
Year 1: your rate is 2% below the note rate, for the lowest payment when moving costs are highest.
Year 2: your rate is 1% below the note rate, giving you a second full year of real savings.
Year 3 onward: your payment settles at the full note rate, which you qualify at from day one, so there are no surprises.
Exclusive to Opulence: your loan officer shows your exact Year 1 and Year 2 savings before you make an offer.
Our Loan Process
Four clear steps from your first conversation to closing day, all handled by one in-house team.
Consultation
Pre-Approval
Processing
Closing
Ready to Get Started?
Frequently Asked Questions
Answers to the questions we hear most about VA home loans.
