VA LOANS

As Little as 0% Down with No Commitment Fee

VA loans are Fixed-Rate loans guaranteed by the U.S. Department of Veteran Affairs.

We're Proud to Serve Those Who Protect Our Freedoms

What Are the Benefits of a VA Loan?

VA guaranteed loans are made by private lenders like SouthState to eligible veterans, service members and spouses for the purchase of a home as their primary home or the refinancing of an existing VA loan. We are fortunately able to do this with competitive interest rates and no money down, making homeownership more attainable to those who have served our nation.

There are several benefits to a VA loan for those who qualify. Not being required to pay a down payment is a big perk and very different than a conventional mortgage. Mortgage insurance (MI) is not required like on other types of home loans when you put down less than 20%. There is also more flexibility for qualification, such as credit score and a higher debt to income ratio.
How Can You Qualify?

How Can You Qualify?

VA loan qualifications include:
  • You have served 90 consecutive days of active service during wartime
  • You have served 181 days of active service during peacetime
  • You have more than 6 years of service in the National Guard or reserves
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability

Learn More About Eligibilty

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  • All loans subject to credit approval.

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