This Memorial Day, we remember once again those who gave their lives to protect our nation’s freedom in service to the military.

And as we at Bay Equity Home Loans remember the fallen, we want also to thank those that are still with us, including surviving spouses and families of veterans, active duty service members, National Guard and reservists.

Bay Equity would like to offer you another benefit derived from your service - our dedicated and experienced guidance to veterans-only home lending programs.

Refinances from conventional to VA or VA to VA loans are possible with the Interest Rate Reduction Refinancing Loan (IRRRL), as well. These loans are typically used to reduce the borrower's interest rate and monthly payment, or to convert an adjustable rate mortgage (ARM) to a fixed rate. Bottom line: It’s a great option for many military members.

Veterans may also consider “Giving to Heroes,” Bay Equity’s exclusive credit-back loan program for active or retired military members and other service-focused professionals. Qualified participants receive discounted closing costs and a partial refund of Realtor commissions.

Remember: The VA loan is not the only veterans’ loan program available! Our Bay Equity teams are in the know about additional programs in their cities, states and regions – whether it’s lower interest rates, zero-interest loans or other benefits.

Bay Equity proudly supports veterans, veterans organizations and veterans charities.

Bay Equity donates a portion of each closed VA and FHA loan to the Warrior Foundation Freedom Station, a transitional housing community for injured veterans.

Once again, to the men and women of the armed services, please accept our heartfelt and genuine thanks!