Proudly Serving Those Who Serve

Take advantage of VA home loan benefits built just for veterans and service members.

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Rohit Mohan

Real Estate Broker / Mortgage Advisor

Mortgage

VA Loan

A VA loan is perhaps the most powerful and flexible lending option on the market today. Rather than issue loans, the VA instead pledges to repay about a quarter of every loan it guarantees in the unlikely event the borrower defaults. That guarantee gives VA-approved lenders greater protection when lending to military borrowers and often leads to highly competitive rates and terms for qualified veterans.

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Benefits of VA Loan

Far and away, the most significant benefit of a VA loan is the borrower's ability to purchase with no money down. Apart from the government's UDSA's Rural Development home loan and Fannie Mae's Home Path, it's all but impossible to find a lending option today that provides borrowers with 100 percent financing.

VA loans also come with less stringent underwriting standards and requirements than conventional loans. In fact, about 80 percent of VA borrowers could not have qualified for a conventional loan. These loans also come with no private mortgage insurance (PMI), a monthly expense that conventional borrowers are required to pay unless they put down at least 20 percent of the loan amount. 

VA loans offer a few other bells and whistles:

  • Down payment as low as 0%.
  • Competitive interest rates that are routinely lower than conventional rates
  • No prepayment penalties
  • Higher allowable debt-to-income ratios than for many other loans
  • Streamlined refinancing loans that require no additional underwriting

Reviews

Hear From Our Happy Clients

Read all our reviews here and see why clients love working with us!

"Getting the price right in a low-inventory market is genuinely stressful, and Rohit made that part feel manageable. He knew the Fremont area well, kept us grounded when things got complicated, and negotiated in a way that actually got us the home we wanted at a price that made sense. What I appreciated most was how cal…
"Rohit was the right call, especially as a first-time buyer who had no idea what she was getting into. He knew the market, kept things calm, and made sure I actually understood what I was signing. My friends were right to send me his way."
"I wholeheartedly give Rohit Mohan my strongest recommendation — five stars aren’t even close to enough!I’ve known and worked with him for nearly 10 years, and he has refinanced my home multiple times with outstanding results.We needed a larger home in a very specific location, with s bigger size and preferably new cons…
"Finding our new home felt like a dream coming true, and we owe so much of that joy to Rohit Mohan. From day one, Rohit Mohan made us feel supported, understood, and confident in every step we took.He went above and beyond to understand our needs, patiently guiding us through every detail and making the entire process f…
"Rohit is one of Best in this Game! We loved that he was patient, helped us think about not just where we are, but where we would be in a couple years, and he did not hesitate to stand his ground. There were situations where being a first time homebuyer we were unsure… We were concerned About things that didn’t really m…
"Rohit is very knowledgeable and friendly. Everything went quickly & smoothly with his quick negotiations and attention to detail.As a first-time seller all of our questions were answered & the process was stress free."
"Rohit and LaVawn were great and provided exemplary service. This was our first home and he made sure to walk us through the entire process and helped educate us on the intricacies of home buying process. He was always responsive and made sure all our questions were answered and we were comfortable. He also provided hel…
"When we first met Rohit and his team, he had completed his research and walked through a plan for selling our property. He understood our requirements, gave advice, and managed all aspects of the selling process. He shared strategies about price, listing timeline, potential buyers and so on. Rohit also helped with prop…
"We worked with Rohit for both buying and selling of our property. He did an excellent job at negotiating and helped us buy a dream house for us. Also he meticulously prepared our house and he did everything he can from beautiful staging to strategic planning on getting the best offer possible and helped us sell our hou…
"Rohit and team are awesome. Rohit is a great negotiator and got us good deals both on selling and buying side. He is a one stop shop for all things real estate and mortgage. He helped in crunching the numbers in various ways and provides valuable insights which helped us make quick decisions. I highly recommend Rohit a…

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