VA Home Loans in Annapolis, MD

VA home loans are government-backed mortgages available to eligible veterans, active-duty service members, and certain surviving spouses. These loans are designed to make homeownership more accessible by reducing upfront costs and long-term expenses.

Redwood Mortgage Services has extensive experience helping VA borrowers purchase and refinance homes throughout Annapolis, Anne Arundel County, and across Maryland, Delaware, Virginia, Washington DC, Florida and North Carolina.

How VA Loans Work
VA loans are guaranteed by the U.S. Department of Veterans Affairs and are offered through approved private lenders. The VA guarantee reduces lender risk, allowing for more flexible loan terms.

Key features often include:

• No down payment required for qualified borrowers
• No monthly private mortgage insurance (PMI)
• Competitive interest rates
  Flexible credit guidelines

Who VA Loans Are For

• Veterans with qualifying service history
• Active-duty military members
• National Guard and Reserve members (eligibility applies)
• Eligible surviving spouses

Why Work With Redwood Mortgage Services for a VA Loan

• More than 25 years of lending experience
• Deep familiarity with VA loan guidelines
• Local expertise in Annapolis and Anne Arundel County and other licensed states
• Direct access to experienced loan officers

VA Loan FAQs

Do VA loans require a down payment?
Many VA loans allow 0% down for eligible borrowers, though down payment options are available.

Is mortgage insurance required on VA loans?
VA loans do not require monthly mortgage insurance.

How long does VA loan pre-approval take?
Pre-approval can often be completed within one business day once documentation is received.

These materials are not from HUD, VA, or FHA and were not approved by HUD or any other government agency.