As we celebrate with our family and friends this Independence Day holiday, let us not forget to salute the brave men and women of the Armed Forces, who have dedicated their lives to defending our freedom.

Bay Equity Home Loans would like to set aside a moment to acknowledge their unwavering commitment, sacrifice, and courage in safeguarding the principles upon which our nation was founded. Saluting the military is a reminder of their invaluable service and a way to honor their unwavering patriotism.

One of the ways we pay them back is through home loan programs from the Department of Veterans Affairs (VA). VA loans are available to current and retired members of the military, the National Guard, reservists, and surviving spouses and families: Bay Equity has many loan officers educated on the most up-to-date rules and regulations.

VA Home Loans require no down payment, and offer competitive interest rates with no private mortgage insurance, meaning lower monthly payments. The VA Home Loan program provides homeownership opportunities and relaxed credit standards for service members, especially helpful for first-time homebuyers.

Refinances from conventional to VA or VA to VA loans are possible, as well. Refinancing can potentially reduce the interest rate, payment, and overall interest. It’s a great option for many military members.

Veterans may also consider “Giving to Heroes,” Bay Equity’s exclusive program for active or retired military members and other several service-focused professionals which saves borrowers money in the form of credits to their closing costs.

Available credits include a Lender Credit of 0.25% of the loan amount, and if using an affiliated real estate agent, an additional Agent Credit from their earned commission.

Bay Equity loan officers are also in the know about additional down payment assistance and grant programs in their cities, states, and regions – whether it’s lower interest rates, zero-interest loans or other benefits.

If you're an active or retired service member or reservist looking for home financing, please call Bay Equity today.

Men and women of the armed services, please accept our heartfelt and genuine thanks!

We're here to get you home.

Bay Equity Home Loans supports all former and current women and men in military service at home and abroad, whether in times of crisis or times of calm. Bay Equity proudly donates a portion of each closed VA and FHA loan to the Warrior Foundation Freedom Station, a transitional housing community for injured veterans.