Good questions deserve
straightforward answers.

VHAP is a private program owned by Coastline Mortgage, connecting VA home financing guidance with additional benefits through DCA ONE™, the platform bringing together Douglas Realty, Coastline Mortgage, and Admiral Title. It is not a government program or an endorsement by the Department of Veterans Affairs.

No. You can ask a VA loan expert about buying, refinancing, or preparing for a future move without committing to an application. A conversation is a chance to understand your options.

A Coastline Mortgage loan officer with additional VA lending training. Our team can explain the process and help you identify the next step for your circumstances.

The inquiry form on this site does not run a credit check. A separate loan application or preapproval may involve a credit review; your loan officer can explain the process before you proceed.

We serve Maryland, Virginia, D.C., Pennsylvania, Delaware, Florida, and Colorado. Individual loan officer licensing and transaction-specific program conditions apply.

Eligible veterans, active-duty service members, certain National Guard and Reserve members, and qualifying surviving spouses may be able to use the benefit. Service requirements depend on your history. A Certificate of Eligibility helps establish service eligibility; credit, income, occupancy, and lender requirements still apply.

Eligible borrowers may be able to buy with no down payment, subject to entitlement, value, and lender requirements. No down payment does not mean no closing costs or guaranteed approval.

VA-backed loans do not require monthly mortgage insurance. A one-time VA funding fee may apply unless you qualify for an exemption, and other loan costs still apply.

A COE confirms to a lender that you meet applicable service requirements for the VA home loan benefit. It does not by itself approve a mortgage. A loan officer can help you request it, or you can use VA.gov.

Yes, repeat use may be possible. Available entitlement, restoration rules, existing VA loans, and the new property affect your options. Selling your prior home is not always required. Ask an expert to review your entitlement.

Perfect credit is not a requirement. Lenders evaluate credit, income, debts, and other underwriting factors. A loan officer can explain the applicable standards without promising approval.

VA purchase financing is generally intended for a home you will occupy, subject to applicable occupancy rules and exceptions. Ask an expert about your situation before assuming a property qualifies.

The team can discuss your purchase timeline, occupancy considerations, and financing preparation around a move. Tell your loan officer about your orders and timing during a private conversation.

The purchase tool estimates principal and interest, property taxes, homeowners insurance, HOA dues, and a funding fee when applicable. Your actual payment and closing costs depend on the property and loan terms. It is not a quote or approval.

It is a one-time fee that may apply to VA-backed loans. The amount depends on the loan type, prior use, and, for purchases, the down payment. Certain borrowers are exempt. Use the calculator assumptions as a starting point and confirm your status with a loan officer.

For a VA purchase loan, the VA funding fee can generally be financed. Other closing costs are not simply added to the VA purchase loan in the same way. Seller credits or other permitted arrangements may help; your loan officer can review the specific transaction.

No. Rates entered in these tools are editable illustrations, not current Coastline offers, APRs, rate locks, or credit decisions. Request a personalized review for your situation.

An Interest Rate Reduction Refinance Loan refinances an existing VA-backed mortgage. It may lower a rate or payment, or help move from an adjustable rate to a fixed rate. Eligibility and lender requirements apply.

A cash-out refinance is a separate loan option that may refinance a non-VA loan or provide access to equity, subject to eligibility, value, and underwriting. It is not the same as an IRRRL.

No. Extending the term or financing costs can lower the payment while increasing the balance or total interest. Compare costs, remaining term, and how long you expect to keep the loan.

A simple break-even divides estimated refinance costs by a positive monthly payment reduction. It is a useful starting point but does not capture every tradeoff or replace lender calculations of required recoupment and benefit tests.

Requirements vary by refinance type and lender. An IRRRL may not require a new appraisal, while a cash-out refinance generally involves a property-value review. Confirm the requirements for your specific loan.

The program offers a free appraisal through a closing credit up to $800 when an eligible purchase loan closes, a free one-year home warranty covered through a closing credit on eligible purchases, and a rate promise through participating companies within DCA ONE™. Participating-provider requirements and program conditions apply. Review the Program Benefits and Rate Promise page and ask the team to confirm terms for your transaction.

Consumers can choose their service providers. The current published program terms say certain additional benefits depend on using all participating affiliated providers. Ask for the specific benefit conditions and applicable affiliated business disclosures before deciding.

No. The free one-year home warranty applies only to eligible home purchases and is covered through a closing credit. It is not available on refinances.

Bring us your mortgage quote. We’ll match or beat a verified qualifying lower rate, or pay you $200 if we can’t. To qualify, Coastline Mortgage must have the final opportunity to review and match or beat the competing offer. Matching the rate fulfills the promise. A competing Loan Estimate must be dated within three business days of Coastline’s original quote. Full program conditions apply.