VA loans are one of the best benefits you earned through service. Zero down payment, no PMI, and rates that beat conventional loans. I'll make sure you get every advantage you deserve.
Why VA loans beat everything else
Finance 100% of the home value. Use your savings for furniture, emergencies, or investments.
Save $100-300/month compared to conventional loans. That's $36,000-$108,000 over 30 years.
VA loans typically have rates 0.25-0.50% lower than conventional. That's serious savings.
No official minimum credit score. We can often get approved with scores that conventional lenders reject.
Use it multiple times. Sell your home, restore entitlement, buy another. No limit on how many times.
Seller can pay all your closing costs. Walk in with zero cash out of pocket (in the right market).
If you served, you probably qualify
Served 90 consecutive days during wartime, or 181 days during peacetime
Discharged under conditions other than dishonorable. Most honorable and general discharges qualify.
6 years of service in Selected Reserve, or 90 days of active duty (including training)
Unremarried surviving spouses of veterans who died in service or from service-connected disability
I can help you get your Certificate of Eligibility (COE) from the VA. Usually takes 1-2 days. We can even start the loan process before it arrives.
The one cost people worry about (it's not a big deal)
The VA charges a one-time funding fee (typically 2.15% for first-time use with 0% down). BUT—you don't pay it out of pocket. It's rolled into your loan amount.
If exempt, you pay ZERO funding fee. That's a $6,000+ savings!
I handle the VA paperwork—you focus on finding your home
I'll help you request your Certificate of Eligibility from the VA. Usually instant or takes 1-2 days.
Submit income docs, pull credit. I'll get you pre-approved so you can shop with confidence.
Shop knowing exactly what you can afford. Make offers backed by a strong VA pre-approval.
VA appraisal, underwriting, final approval. Sign papers, get keys. Welcome home.
You earned this benefit. Let's put it to work.
I'll review your info and reach out within 24 hours to get your VA loan process started.