VA Loans
VA loans are one of the most valuable benefits available to veterans, active-duty service members, and eligible military families. These loans make homeownership more affordable by offering low interest rates, no down payment requirements, and flexible credit standards.
For many South Carolina veterans, a VA loan is the key to buying a quality, factory-built or manufactured mobile home without the financial barriers of traditional financing. Backed by the U.S. Department of Veterans Affairs, this program helps our local heroes achieve stability, independence, and long-term home equity.
At Ken-Co Homes of Lake City, we’re proud to support our veterans by guiding them through the VA loan process — making it easier to find, finance, and own the home they deserve.
No Down Payment Required
One of the biggest advantages of a VA home loan is that qualified buyers can purchase a home with no down payment. This helps veterans and active-duty service members in South Carolina achieve homeownership faster — without having to save thousands upfront.
No Private Mortgage Insurance (PMI)
Unlike most other loans, VA financing doesn’t require private mortgage insurance, even with zero down. This saves veterans hundreds of dollars each month — making VA loans one of the most cost-effective home financing options available today.
Reusable Benefit for Future Homes
Once you’ve earned your VA loan eligibility, it’s yours for life. Veterans can reuse their VA loan benefit to buy another home later, whether upgrading, relocating, or purchasing a new manufactured mobile home in South Carolina.
Lower Interest Rates for Veterans
VA loans often come with lower interest rates than conventional financing. Because they’re backed by the U.S. Department of Veterans Affairs, lenders can offer better terms and more affordable monthly payments on manufactured and factory-built homes.
Flexible Credit and Qualification Standards
VA loans are designed to help service members and veterans, not exclude them. The program offers more flexible credit requirements and income guidelines, making it easier to qualify for a manufactured mobile home.
Built-In Appraisal and Inspection Protections
Every VA-backed loan includes appraisal and inspection standards that help ensure the home is safe, structurally sound, and move-in ready. These protections give veterans peace of mind when buying from trusted builders like Ken-Co Homes of Lake City.
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