VA Loans on the Cheap!

VA Loans on the Cheap!

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The Lowdown on va Loans...

The Lowdown on VA Loans...

Our VA Loan Rates Are Low & Our Process is Quick & Painless

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans, Active Duty U.S. military service members, or the surviving spouses of servicemember who were killed in action (provided they have not remarried).

We're here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE VA Loan Qualifier.

We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.

The VA Loan Process

Here's how our home loan process works:

  • Complete our simple VA Loan Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why a VA Loan?

There are many benefits to using your VA entitlement to finance your next home:

  • No down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property).
  • Lower, subsidized interest rates.
  • Higher loan limits than traditional conventional mortgage products. The VA program technically doesn't have a loan limit, however, as of 1/2023, some of our most aggressive VA lenders allow for loan amounts of up to $4,000,000 (with no down payment required).
  • More flexible credit standards than almost every other mortgage program in America.
  • No monthly mortgage insurance payments, even with 100% financing. And if you have even a 10% service connected disability rating, you're exempt from even paying the VA Funding Fees that apply to all other Veterans and active duty servicemembers. If you don't have a service connected disability rating, you'll have to pay a VA Funding Fee, which will typically be "stacked" (or financed) on top of your loan amount (unless you opt to pay it out of pocket at closing). I'm happy to help you with the details of how this works - but this page on provides a lot of great info as well, in case you'd like to research some of these details yourself:
    NOTE: The VA doesn't automatically issue disability ratings. The veteran has to ask. And as long as your electronic disability request is timestamped at least 1 day before your mortgage application is completed, even if not approved yet by the time closing is scheduled – your VA funding fees are subject to refund via principle reduction to your mortgage balance (even after closing). You just have to send your disability rating to your lender when you receive it. Your lender can then request the refund through the VA. This is a little complex - so if you would like further clarification, call, text or email me - and I'll be happy to go into more detail for you. To apply for your VA disability rating, go here:
  • You can refinance without re-qualifying via the VA IRRRL (Interest Rate Reduction Refinance Loan), also known as the VA Streamline Refinance. You have to currently have a VA loan to qualify for an IRRRL. IRRRLs will even work on properties that are no longer your primary residence (your former home that you've since converted into a rental property). IRRRL's don't allow for cashout though…
  • The VA offers the best cashout refinance program in America in my humble opinion. And it works in most states…sorry, not in Texas though (for an otherwise veteran friendly state, the Constitution of TX prevents use of the VA Cashout refinance program). If you need to access equity from your TX home, and you're VA eligible, we'll have to stick with conventional options or Home Equity Lines of Credit.
    As you might have guessed, the VA loan program has my vote as the best loan program in America, as it should be. If you are eligible for a VA loan, thanks for serving our country, and if you'd like my help navigating your options, contact me today.
Why a VA Loan?

Your Home Loan Could Be Fully Funded 30 Days From Now

  • Fixed Rates

    Fixed Rates

  • Adjustable Rates Mortgage (ARM)

    Adjustable Rates
    Mortgage (ARM)

  • Conforming Loans


  • Jumbo & Super Jumbo Loans

    Jumbo & Super
    Jumbo Loans

  • FHA, VA, & USDA Loans

    FHA, VA, & USDA

  • Terms from 5 to 30 Years

    Terms from 5 to
    30 Years

Get Your FREE VA Loan Quote Now!

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:

I Want My FREE Va Loan Quote