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Home / VA loans
For those who served

VA loans, handled with the respect they deserve.

$0 down for eligible Veterans, active-duty service members, and surviving spouses — no monthly mortgage insurance, and a team that handles the paperwork.

Check my options Call 480-588-0397

Who it’s for

Eligible Veterans, active-duty service members, National Guard and Reserve members, and qualifying surviving spouses buying or refinancing in Arizona, California, Colorado, or Nebraska.

Why the VA loan is hard to beat

  • $0 down paymentMost eligible buyers can finance 100% of the purchase price.
  • No monthly mortgage insuranceVA loans don’t require PMI, which can meaningfully lower your payment.
  • Competitive ratesGovernment backing generally means strong pricing for eligible borrowers.
  • We do the legworkCertificate of Eligibility, funding fee questions, exemptions — we guide you through it.

General guidelines

Typical starting points — your officer confirms eligibility and details. A VA funding fee may apply and can often be financed; some Veterans are exempt.

Down payment
$0
For most eligible, qualified borrowers.
Credit score
580–620+
Lender guidelines vary; the VA sets no strict minimum.
Eligibility
COE
Certificate of Eligibility confirms your VA entitlement.

Common questions

Do I really need $0 down?
Most eligible borrowers can buy with no down payment. Putting some money down is optional and can reduce your funding fee — we’ll show you the options.
What is the VA funding fee?
It’s a one-time fee that helps sustain the program. It can often be rolled into the loan, and some Veterans (for example, those receiving service-connected disability compensation) are exempt. We’ll confirm your situation.
How do I get my Certificate of Eligibility?
We can help you request it as part of your application — in many cases we can obtain it for you quickly.
Can I use a VA loan more than once?
Yes. VA entitlement can be restored and reused, and in some cases used for more than one loan. Your officer will review your remaining entitlement.
Thank you for your service

Let’s put your VA benefit to work.

Answer a few quick questions — no impact to your credit to check — and we’ll confirm your eligibility.

See what you qualify for

A few questions, one screen. A licensed officer reviews it and comes back to you — no credit pull to start. 8 required answers, the rest optional.

We lend on homes in Arizona, California, Colorado and Nebraska. In a hurry? Call 480-588-0397.