VA Home Loans · Maryland

You Served. This Benefit Is Yours.

Zero down payment. No mortgage insurance. Competitive rates. VA home loans are one of the strongest benefits available to eligible veterans, active-duty service members, and surviving spouses.

Check Your VA Eligibility

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VA Loan Specialist

20+ Years
Serving Maryland
Veterans

With the Naval Academy in Annapolis and significant military presence throughout the DC metro corridor, Michael DeHaut Jr. has helped many veterans and service members use their VA benefit to buy homes throughout Maryland and Northern Virginia.

Mike takes VA loans seriously. He knows the process, the appraisal requirements, and how to structure an offer that sellers will respect. If you are PCSing into the region or transitioning out of service, he will move quickly and keep your purchase on track.

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Zero Down Payment

Eligible borrowers can purchase with no down payment, one of only two loan programs that offer this.

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No PMI Ever

VA loans never require private mortgage insurance, saving hundreds per month compared to other low-down options.

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Competitive Rates

VA rates are often lower than conventional rates for the same borrower profile.

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Reusable Benefit

Your VA entitlement can be used more than once. Sell your home and it is typically restored.

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Limited Closing Costs

VA guidelines limit which fees veterans can be charged, reducing your out-of-pocket at closing.

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Flexible Credit

No VA-set minimum score. Lenders typically look for 620 or higher with more flexibility than conventional.

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VA Funding Fee

Most VA borrowers pay a one-time funding fee that helps sustain the program. The amount depends on your service type, down payment amount, and whether it is your first time using the benefit. Veterans with a service-connected disability rating of 10% or more are typically exempt. Mike will walk you through exactly what applies before you apply.

Who Is Eligible for a VA Loan?

Eligibility is based on service history. You may qualify if you are an active-duty service member, a veteran who was honorably discharged, a National Guard or Reserve member who meets minimum service requirements, or the surviving spouse of a veteran who died in service or from a service-connected disability.

The first step is obtaining your Certificate of Eligibility. Mike can pull this directly through the VA system and it does not have to slow down your timeline.

Frequently Asked Questions

Does a VA loan take longer to close than a conventional loan?

Not necessarily. VA loans require a VA appraisal which adds one step but with an experienced lender the timeline is very manageable. Most VA purchases close in 30 to 45 days.

Can I use a VA loan to buy a condo or townhouse in Maryland?

Yes, in many cases. Condos need to be on the VA-approved list but there are thousands of approved communities throughout Maryland and Northern Virginia. Mike can check VA approval status for any specific property.

I used my VA benefit before on another home. Can I use it again?

Yes. VA entitlement is reusable. If you have paid off a prior VA loan or sold the home, your entitlement is typically restored. Mike will review your current entitlement status and explain what is available to you.