Rates Are Changing. Don’t Miss Your Chance to Save Big!
Lock in your rate before they rise again. Whether you’re purchasing a new home or refinancing your current one, now’s the time to secure lower payments and protect your budget.
Mortgage rates are shifting fast, and timing is everything. Locking your rate now could mean saving hundreds every month and thousands over the life of your loan.
At the Holly Walther Lending Team, we make the process simple. With over 20 years of trusted experience, Holly and her team are here to help you:
Review your refinance options
Discover new purchase opportunities
Compare rates and terms side-by-side
Get personalized guidance every step of the way
Let’s talk about your options today.
There’s no obligation, just clarity and confidence about what’s best for your financial future.
Rates Are Changing. Don’t Miss Your Chance to Save Big!
Lock in your rate before they rise again. Whether you’re purchasing a new home or refinancing your current one, now’s the time to secure lower payments and protect your budget.
Mortgage rates are shifting fast, and timing is everything. Locking your rate now could mean saving hundreds every month and thousands over the life of your loan.
At the Holly Walther Lending Team, we make the process simple. With over 20 years of trusted experience, Holly and her team are here to help you:
Review your refinance options
Discover new purchase opportunities
Compare rates and terms side-by-side
Get personalized guidance every step of the way
Let’s talk about your options today.
There’s no obligation, just clarity and confidence about what’s best for your financial future.
Eligible for a VA Loan? Let’s Find Out in Minutes.
Speak with a home loan specialist now by calling +1 (404) 436-0013
Check Your VA Loan Eligibility
Work with a top-rated local mortgage lender specializing in both VA purchases and
refinances today!
Thank you for your service!
Thank you for your service!
Speak with a home loan specialist now! +1 (404) 436-0013
Check Your VA Loan Eligibility
Work with a top-rated local mortgage lender specializing in both VA purchases and refinances today!
Thank you for your service!
Thank you for your service!
What is a VA Home Loan?
A VA home loan is a mortgage partially guaranteed by the U.S. Department of Veterans Affairs (VA), designed to help eligible veterans, active-duty service members, and certain surviving spouses purchase or refinance homes. Because the VA backs part of the loan, lenders often offer favorable terms; such as no mortgage insurance and, in many cases, no down payment.
VA Loan Requirements
✔️ Active-Duty Veterans: Served at least 90 consecutive days during wartime or at least 181 consecutive days during peacetime.
✔️ National Guard or Reserve Members: Completed at least six years of service, or served 90 days of active-duty service under Title 10 or Title 32 orders (with at least 30 of those days consecutive).
✔️ Be the surviving spouse of a service member who died while on active duty or from a service-connected disability and you have not remarried or remarried after age 57 or Dec. 16, 2003. Spouses of prisoners of war or service members missing in action are also eligible.
✔️ Meet the lender’s requirements for credit and income. The VA doesn’t set a minimum credit score for VA loans, but lenders can set their own minimum standards. The lender will also consider your income and debts to evaluate your ability to repay the mortgage.
✔️ Borrowers need to show they have the income to make the mortgage payments and they shouldn’t have a huge debt load.
✔️ Buy or refinance a suitable property:
- The property must meet VA minimum property requirements (MPRs) (for safety, structural integrity, etc.).
- The home must be your primary residence (not a rental or vacation property).
- Some property types (e.g. certain condos, manufactured homes) may require extra approval.
✔️ In order to go through the process, you need to obtain a VA Certificate of Eligibility (COE). Without this certificate, you won’t be able to get your loan.
Have questions? We'd love to help!
+1 (404) 436-0013
What is a VA Home Loan?
A VA home loan is a mortgage partially guaranteed by the U.S. Department of Veterans Affairs (VA), designed to help eligible veterans, active-duty service members, and certain surviving spouses purchase or refinance homes. Because the VA backs part of the loan, lenders often offer favorable terms; such as no mortgage insurance and, in many cases, no down payment.
VA Loan Requirements
✔️ Active-Duty Veterans: Served at least 90 consecutive days during wartime or at least 181 consecutive days during peacetime.
✔️ National Guard or Reserve Members: Completed at least six years of service, or served 90 days of active-duty service under Title 10 or Title 32 orders (with at least 30 of those days consecutive).
✔️ Be the surviving spouse of a service member who died while on active duty or from a service-connected disability and you have not remarried or remarried after age 57 or Dec. 16, 2003. Spouses of prisoners of war or service members missing in action are also eligible.
✔️ Meet the lender’s requirements for credit and income. The VA doesn’t set a minimum credit score for VA loans, but lenders can set their own minimum standards. The lender will also consider your income and debts to evaluate your ability to repay the mortgage.
✔️ Borrowers need to show they have the income to make the mortgage payments and they shouldn’t have a huge debt load.
✔️ Buy or refinance a suitable property:
- The property must meet VA minimum property requirements (MPRs) (for safety, structural integrity, etc.).
- The home must be your primary residence (not a rental or vacation property).
- Some property types (e.g. certain condos, manufactured homes) may require extra approval.
✔️ In order to go through the process, you need to obtain a VA Certificate of Eligibility (COE). Without this certificate, you won’t be able to get your loan.
Have questions? We'd love to help!
+1 (404) 436-0013
© 2025 HollyWalther.com All Rights Reserved. Holly Walther is a Residential Mortgage Loan Licensee, NMLS#507972, Georgia Residential Mortgage Licensee #51275, Georgia Residential Mortgage License Number #36474 Phone: 404.436.0013, 3100 Interstate North Circle SE Ste 200 Atlanta, Georgia 30339. Powered by Success Mortgage Partners, Inc. NMLS#130562, 1200 S. Sheldon Rd. Plymouth, MI 48170. Phone: 734-259-0880 Information subject to change without notice. This is not an offer for extension of credit or a commitment to lend. http://www.nmlsconsumeraccess.org / Privacy Policy