Built for Veterans · Fort Eisenhower & the CSRA

Augusta's Trusted VA Loan Lender —
$0 Down. No PMI.

We've been closing VA loans for Augusta-area veterans, active duty, and surviving spouses for 30+ years. Local underwriting relationships, no call centers, and the VA paperwork is on us.

$0 Down Payment

Eligible buyers can finance 100% of the purchase price.

No Private Mortgage Insurance

Save hundreds per month vs. conventional with low down payment.

Competitive VA Rates

VA loans typically price below conventional for qualified veterans.

We Handle the VA Paperwork

Certificate of Eligibility, residual income, funding fee — we do the work.

Check My VA Eligibility Call (706) 855-1599

30+

Years closing loans in the CSRA

NMLS# 226717

License

GRMA# 34630

State authority

Required disclosures honored

Equal Housing Lender

How a VA loan works

Three steps. We do the heavy lifting.

Check eligibility

Tell us your service status. We'll pull your Certificate of Eligibility (COE) for you — most are returned in minutes.

Get pre-approved

We'll run a soft pre-approval and walk you through residual income, the funding fee, and what your monthly looks like.

Close on your home

From contract to keys, we coordinate with your real estate agent, the appraiser, and the VA. You sign. We do the rest.

VA FAQ

Common questions from Augusta veterans.

What is a Certificate of Eligibility (COE)?+

The COE proves to lenders that you meet VA service requirements. We pull it directly from the VA on your behalf — most return the same day. You don't need to chase paperwork.

Can I use my VA benefit more than once?+

Yes. Most veterans can re-use their benefit if the prior VA loan is paid off, or in some cases use remaining entitlement for a second VA loan. We'll calculate exactly what you have left.

Can I buy with less-than-perfect credit?+

VA loans have flexible credit guidelines. Many of our clients close with credit scores in the low 600s — and even lower with compensating factors. Talk to us before assuming you don't qualify.

What is the VA funding fee?+

A one-time fee paid to the VA to keep the program running. It varies by service status, down payment, and whether you've used your benefit before. Many disabled veterans are exempt. We calculate it in your quote up front.

Do you work with PCS / military buyers on a tight timeline?+

Constantly. We close loans for active-duty PCS moves to and from Fort Eisenhower regularly. Tell us your report date and we'll build the close timeline backward from there.

Ready to use your VA benefit?

We'll pull your COE, give you a real rate, and tell you exactly what you can buy. No pressure, no credit pull until you're ready.

Check My VA Eligibility Call (706) 855-1599

VA loans are subject to VA eligibility requirements. Not all applicants will qualify. First Choice Mortgage is not affiliated with or endorsed by the U.S. Department of Veterans Affairs. NMLS# 226717. Equal Housing Lender.

← Back to home

Augusta's Trusted VA Loan Lender —$0 Down. No PMI.