VA Loans

VA Loans

Find the loan program that fits your goals and take the next step toward financial freedom!

If you’ve served our country, you deserve a home loan that honors that service. VA Loans are one of the most powerful and flexible financing options available — designed specifically for veterans, active-duty service members, and eligible spouses.

At OpenKey Mortgage Advisors, we proudly help military families and veterans across South Carolina and North Carolina take advantage of these exceptional benefits with clear guidance and zero pressure.

What Is a VA Loan?

A VA Loan is a mortgage backed by the U.S. Department of Veterans Affairs. Because the VA guarantees a portion of the loan, lenders can offer more favorable terms — including no down payment and no private mortgage insurance (PMI).

Why Veterans Choose VA Loans

• $0 down payment on most purchases
• No private mortgage insurance (PMI)
• Competitive interest rates, often lower than conventional loans
• Flexible credit guidelines
• Ability to finance the VA funding fee (or get it waived in some cases)
• Easier qualification for many service members

Popular VA Loan Options We Offer

• VA Purchase Loans – Buy a home with little to no money down
• VA Interest Rate Reduction Refinance Loan (IRRRL) – A fast, low-cost way to refinance an existing VA loan to a lower rate
• VA Cash-Out Refinance – Access equity in your home for renovations, debt consolidation, or other needs
• VA Streamline Refinance – Simplified process with minimal paperwork

Who Typically Qualifies for a VA Loan?

You may be eligible if you are:

• An active-duty service member
• A veteran with an honorable discharge
• A surviving spouse of a veteran (under certain conditions)

We’ll verify your eligibility quickly and walk you through the Certificate of Eligibility (COE) process.

Why Choose OpenKey Mortgage Advisors for Your VA Loan?

• Independent brokerage – we shop multiple VA-approved lenders
• Local expertise serving Upstate South Carolina and North Carolina veterans
• Fast pre-approvals and military-friendly service
• Clear explanations – no confusing jargon
• Dedicated support from application through closing

Related Programs and Areas We Serve

• Programs: FHA · USDA · Conventional · Jumbo · Refinancing · Two-Property Mortgage · First-Time Homebuyer
• South Carolina: Charleston · Mount Pleasant · Columbia · Myrtle Beach · Hilton Head · Rock Hill
• North Carolina: Charlotte · Raleigh · Durham · Cary · Asheville · Wilmington

Have a scenario you want to talk through?

Call or text Samantha Payne at (864) 387-8964, email Samantha@openkeymortgage.com. OpenKey Mortgage Advisors LLC. NMLS Company ID 2812158. Samantha Payne, NMLS #2743877. Licensed in South Carolina and North Carolina. Equal Housing Opportunity.