VA Loan

Guaranteed by the United States Department of Veterans Affairs, a VA loan can offer exclusive homeownership benefits for veterans, active-duty service members, and eligible surviving spouses. On behalf of everyone at Cardinal Financial, thank you for your service.

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  • 0% down payment
  • Credit scores as low as 580 may be accepted
  • No private mortgage insurance (PMI) required
  • Lowest interest rates available for qualifying borrowers
  • Current VA loans can be streamline refinanced with no appraisal

Loans for the brave.

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Did you know: According to government data, fewer than 12% of veterans use their VA loan benefits due to a lack of awareness and education. We’re on a mission to change that by providing an excellent VA loan product and unrivaled customer service to those who have served.

Related home loans.

Great news. With a VA loan, you've got options. Here's a look at what's possible.

VA Purchase

A home loan that serves you.

Are you a veteran, active-duty service member, or eligible surviving spouse? Consider a VA loan for your next home purchase. This mortgage type is loaded with well-earned benefits including no down payment required, no private mortgage insurance, and flexible credit requirements.

VA Refinance

Better terms, on your terms.

Whether you’re refinancing from your current VA loan or a different mortgage type, a VA cash-out refinance is a great way to leverage your home equity and take advantage of the exclusive benefits that VA loans offer for eligible borrowers.


Less paperwork, more money saved.

Already have a VA loan? A VA streamline refi (also called a VA IRRRL, but we won’t make you say that three times fast) offers a quicker refi process with no appraisal required, minimal documentation, and the potential for lower rates.

VA Rate Protect

Lock the rates you deserve.

Get all the VA loan benefits you deserve with the added security of a locked-in rate with VA Rate Protect. With Rate Protect, you can lock your VA loan interest rate for up to 90 days while you focus on your home search.

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Make this loan yours.