At Mortgages by Richard, we express our gratitude for your service and aim to honor you by offering VA loans. If you are a veteran, active-duty personnel, or the surviving spouse of a veteran, we encourage you to utilize your VA benefits to finance your home purchase. This loan option entails no down payment and eliminates the need for mortgage insurance, resulting in lower monthly payments. We are excited to collaborate with you every step of the way to create a brighter future. Reach out to us today to discover more about these government-backed loans.


Minimum FICO Score.

  • Zero credit is needed.
  • Alternative Tradelines may be submitted as proof for on time payments over a 12 month period.
  • Credit will dictate the cost associated with the rate at time of Purchase.


Down Payment.

  • No down payment required



  • Primary residence


Other Highlights.

  • Upfront funding fee financed
  • No monthly mortgage insurance required
  • 100% gift funds allowed
  • Up to 8% seller contribution towards closing costs and personal debts.


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